VAN INSURANCE

In most cases, your car insurance won’t cover you when driving a van, even for a short trip. You’ll need specific van insurance, whether you rent, borrow, or own the vehicle. If the van is for personal use, private van insurance is needed. For work or transporting goods, you’ll require commercial van insurance.

You usually can't add a van to your car insurance policy. Vans need their own insurance, whether for personal or business use. It's best to get separate van insurance to make sure you're properly covered.

Yes, we offer short-term cover of between 1 hour and 30 days. Please visit our Temporary Van Insurance page for information or to get a quote.

Temporary van insurance is suitable for general use, for example, moving house, or for small businesses or sole traders requiring short-term cover for van use. Cover is not available for rental vans.

We offer 2 levels of cover, Comprehensive and Third Party Fire and Theft. You can also add optional extras to your policy including:

Commercial van insurance covers you for business use, but the cover depends on your job. For instance, if you're a delivery driver, choose "haulage use" to be covered for deliveries. If you're a builder carrying your tools or materials, pick "carriage of own goods." Picking the right job and use when setting up your policy is important to ensure proper cover.

You are permitted to drive a van from the age of 17 with a valid provisional licence, subject to the usual legal requirements and driver obligations.

Yes, you can cover multiple vehicles with RAC Van Insurance and these will stand as separate policies.

If you’ve turned your van into a campervan, you’ll need campervan insurance to cover it.

Yes, we can provide a quotation for social, domestic and pleasure use (including commuting) for example if you just use your van for hobbies. You can select this option when getting a quote online.

We can provide quotes for vehicles up to 3.5 tonnes. Overloading may lead to penalties, including denied claims if the van is not used as per the policy. Driving a van over its maximum weight (Gross Vehicle Weight or GVW) is also illegal.

Tools left in a van overnight will not be covered under our van insurance policies. Tools and Van Content cover is available as an optional extra.

You and any named driver on your policy are covered when using the vehicle within the European Union. For up to 60 days, in any period of insurance, full policy cover will apply while you are using the vehicle within the countries listed in your policy documents.

We cannot offer insurance to vehicles that will be used to carry hazardous goods or liquids.

These substances and materials include explosives, organic peroxides, toxic substances, infectious substances or radioactive materials.

We offer four different levels of van breakdown cover that can be added to your standard insurance cover (or three levels if you choose haulage use). You can select this when you get your quote.

In addition, we also offer 35 days Guaranteed Replacement Vehicle cover as an optional extra, which would provide you with an alternative vehicle while yours is being repaired following an incident. If you choose carriage of own goods or haulage cover, 7 days of cover is included as standard.

You can read more about these products on our optional extras page.

Yes. You can log in to your online account any time to make these changes to your policy:

If you think you may be unable to maintain your policy payments, please contact us as soon as possible to discuss on 0333 321 8566. We have specialists on hand who can discuss your individual circumstances and agree how we can help with your financial situation.