Why choose Adrian Flux for private van insurance?
We won the user-voted WhatVan? Van Insurer of the Year award in 2019, 2021, 2023 and 2024. Other reasons to get a quote from us include:
- Up to £1,500 cover available for sporting and leisure equipment (including surfboards, bicycles and camping equipment)
- Free legal cover included
- Personal accident and road rage cover available
- Optional UK and European breakdown cover
- Cover in Europe and further afield
- Courtesy vehicle in the event of an accident (depending on your policy)
- Keycare cover available
- Protected no claims bonus available
Get a Private Van Insurance Quote
What is private van insurance?
Private van insurance is a policy that can be taken out when you only drive your van for personal purposes or commuting.
Activities you might use your vehicle for include:
- Going on holiday (either in the UK or abroad)
- Camping trips
- Taking part in hobbies or activities like mountain biking or fishing trips
- Using it to go on hikes with your dogs
- Shopping
- Transporting personal belongings
- Moving house – or helping friends move
Do I need private van insurance or commercial cover?
This depends on how you plan on using your vehicle. For instance, if you only use your van for personal use or commuting, a private van insurance policy is the best option.
If, on the other hand, you use your vehicle to make money, you’ll need a commercial van insurance policy. We can cover commercial vehicles too, including those used for courier work and company work. We can also insure classic commercial vehicles.
Extra Benefits
Flex Drive
Drive Any Car Insurance
There are many reasons you might need to drive someone else’s car, either in an emergency or as part of an agreement.
While many policies include third party cover for you to drive any vehicle, this often leaves you liable for the full cost of your own damage caused in the event of an accident.
Our Flex Drive car insurance extends your cover to include accidental damage cover on the vehicle you’re driving, just like a fully comprehensive policy. It covers claims up to £20,000 on any car you use.
That extra cover will give you the confidence to drive any vehicle, with the owner’s permission, at any time.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Goods in Transit
Goods in Transit Insurance
Goods in transit insurance is designed to cover anyone who uses their vehicle for transporting goods professionally, whether they’re documents, materials, or packages.
Whether you work as a courier, delivery driver, or in the haulage industry, having the right cover for your cargo, whatever it is, can make the world of difference, and save you money and a headache, if something bad should happen.
To find out more about how you can get insurance for transporting goods, and what’s covered, speak to our team today.
Public Liability
Public Liability Car Insurance
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Tools
Tools In Transit Insurance
For just a year, you could claim for damage, loss, or theft of tools up to £5,000 whilst they’re being driven in your van, loaded or unloaded, or stored in your van over night.
There’s no denying that the tools of your trade are vital to your business, so you need to know that if they’re lost or damaged that you can afford to replace them and get back to work as soon as possible.
With a low £100 excess for each claim, and cover for theft, loss, or damage, you can be confident that even if the worst happens, we’ll help you to get new tools and get back on the job quickly.
Get a Private Van Insurance Quote
Can I insure a van for private use?
Yes, you can get private van insurance – otherwise known as personal van insurance – if you only use your vehicle for hobbies, holidays, or any other personal hobbies and activities.
Do I need van insurance for personal use?
Just like any other type of vehicle, private van insurance is a legal requirement so you must take out cover before travelling on public roads.
How much is private van insurance?
The cost of your personal van insurance depends on multiple factors, including your driving history and any NCB you’ve built up, as well as where you’ll be driving, how many miles you’ll cover each year, and whether you need personal possessions cover.
If you want to get an idea of how much your quote will be, speak to us directly and we can personalise your quote to meet your needs.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
What are the different types of personal van insurance?
The three main types are:
- Third party: this is the minimum level of cover you can take out to legally drive on public roads in the UK. It covers you for any damage caused to other people’s vehicles or property, as well as any injuries they might sustain.
- Third party, fire and theft: this provides the same level of cover as third party insurance, as well as the cost of repairing or replacing your vehicle if it’s damaged by fire or stolen.
- Fully comprehensive: this is the highest level of cover you can take out. It covers everything in the previous two levels, plus any damage to your vehicle regardless of who was at fault for the accident.
FAQs
Is a private van classed as commercial for insurance purposes?
No, you can get a private van insurance policy if you’re only using your van for hobbies, personal trips, and other reasons outside of making money.
Can I use private van insurance for commuting?
Yes, whilst most private van insurance policies from other providers don’t include cover for commuting, we can. We offer social, domestic, pleasure and commuting policies (also known as SDP and commuting use) if needed.
Do privately owned vans cost more to insure?
In general, no. The risks involved with owning a van for personal use are generally lower than if you were to own a van for commercial use. If you’re using a van for commercial purposes, chances are you’re driving more miles, and will often do so in high-traffic areas like cities, especially if you’re a courier.
That being said, the easiest way to find out how much your policy will cost is to contact us directly for a quote.
When would I need personal van insurance?
We can cover almost all types of vans and trucks owned and operated by private individuals.
As specialists, we are able to offer cover in all types of situations, including for anglers, surfers, amateur DJs and musicians, astronomers, mountaineers, car booters as well as enthusiasts of paramotoring, motocross, quad racing, mountain biking and almost anything else you can think of.
Alternatively, you may need private van insurance if you are carrying out home improvements to your property, as transport for dogs or other pets, or if your van is your main form of transport. You may even be a classic van enthusiast – we can cover these too.