Get Van Insurance cover for under £197*

(that's what 10% of our customers paid)

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Van Insurance

If you are self-employed or run your own small business, then your van can be a major part of your livelihood. Whether it’s for delivering goods or for carrying the tools of your trade, an accident or theft doesn't come cheap and can result in huge consequences for the business and your customers.

It is not only damage or theft that can leave you out of pocket. A vehicle failure can also disrupt your working day, which is why we offer RAC Breakdown as an optional extra, providing you with the reassurance that in the event of a breakdown, a patrol would be on hand to get you and your business back on track.

At the RAC, we like to make motoring affordable for our customers and so we search a panel of leading van insurers to find you our most competitive price for your van insurance. If you’re an existing RAC Breakdown member, you may also get an extra discount, just for being an RAC member.

RAC members pay £171 less on average for RAC Van Insurance than non-members~

24/7 motoring legal helpline

Up to £100,000 worth of Motor Legal cover

Why choose RAC Van Insurance?

Making sure you have the right van insurance to get you up and running as quickly as possible can help to minimise any potential loss of earnings. With the RAC’s van insurance policies, you can choose fully comprehensive cover, which will not only cover you for Third Party, Fire and Theft, but also for accidental damage and vandalism, as well as protecting your windscreen – giving you peace of mind in the event of a claim. Most RAC panel insurers also include personal effects insurance to help protect your belongings while in your van.

 Up to £100,000 of Motor Legal cover

 24/7 motoring legal helpline

 Windscreen cover, for comprehensive policies

 Accidental damage and vandalism cover for comprehensive policies

Add RAC Breakdown Cover to your policy

Don’t let a breakdown disrupt your day. Our Patrols fix 4 out of 5 vehicles at the roadside and within an average of 30 minutes, taking the worry out of motoring for our policyholders.

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Optional Extras - tailor your cover to suit your needs

We also have various optional cover levels which you can purchase to tailor the insurance policy to suit your needs:

  • STAR BUY for just £89.99 a year - Includes RAC Breakdown, Tools in Transit and Replacement Van for a package price of £89.99 a year, saving you £20.65 on the individual cost of these optional extras.

Alternatively these can selected individually:

  • Breakdown cover starting at £39.99 a year - Choose from 2 options - RAC Breakdown or RAC Breakdown + At Home, and keep your business moving in the event of a breakdown.
  • Tools in Transit cover from only £49.99 a year - Provides up to £1,000 cover for your tools or other equipment should they be damaged in transit.
  • Replacement Van cover from only £20.66 a year - In the event your van is not drivable following an accident or due to it being stolen, you are guaranteed a replacement van for either 15 or 28 days, depending on the option you select.

You can choose to pay your policy by monthly instalments or a single payment for the year. You can get a van insurance quote online by clicking on the button below, or you  can call our UK call centre on 0330 332 8308.


Temporary or short-term van insurance

We can also offer short-term van insurance cover for a specified period of time. This means you don’t have to take out an annual policy if you only need cover for a shorter period of time.

Cover can be provided for domestic or business purposes for vans up to 3.5 tonnes in weight, for between 1 and 28 days.

For more information or to get a quote, please see our Temporary Van Insurance page.

All the information you need to retrieve a quote, amend your policy or make a claim

  

Provides van drivers short-term cover for a designated period of time.

  
Van Insurance news and advice

Van Insurance Groups have a major impact on the cost of your insurance policy.

  

Knowing how to compare van insurance cover levels is essential to choosing the right policy for you and your vehicle.

  

Choosing a level of cover that suits you and your van depends on a number of factors, such as the value of your van and where you store it.

  

This guide is designed to help explain why in some cases, your insurer might not pay-out.

  

Our Guide to avoid Overloading a Van will help you keep your vehicle both safe and legal on the road.

  

Frequently Asked Questions

Q. What do I need to get a van insurance quote?

To get a quote for RAC Van Insurance please have the following information to hand:

  • Full details of the make and model of your van
  • The exact year your van was registered (not just the registration letter)
  • The date of birth of all drivers
  • Drivers licence and No Claims Bonus details
  • If any of the drivers have any motoring claims or convictions, exact dates of these will be required
Q. What cover can I get for my Van?

We offer 2 levels of cover, Comprehensive and Third Party Fire and Theft, both of which include up to £100,000 worth of motoring legal cover. You can also tailor your insurance policy with additional cover to suit your needs. RAC Van Insurance can offer:

  • Breakdown cover
  • Tools in transit cover
  • Replacement van
  • Excess Protection
Q. Can I get temporary or short-term insurance?

Yes, we can offer short-term cover of between 1 and 28 days if you need van insurance for a short period of time. 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.

Q. How old do I have to be to drive a van?
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.
Q. Can I insure more than 1 van?
Yes, you can cover multiple vehicles with RAC Van Insurance and these will stand as separate policies.
Q. Can I get van insurance just for social, domestic and pleasure?
Yes, we can provide a quotation for social, domestic and pleasure use you can select this option when doing your quote.
Q. Are there any weight or load restrictions?
We can quote for vehicles up to a maximum of 3.5 tonnes.
Q. What are the penalties for overloading?

Your claim may be refused if you or any of your party are not using the vehicle in accordance with the terms and conditions of your policy.

It is against the law to drive a vehicle that has exceeded its maximum permitted weight (known as Gross Vehicle Weight, or GVW).

Q. Can I leave my tools in my van overnight?
Tools left in a van overnight will not be covered under our van insurance policies.
Q. Does your insurance cover me travelling to Europe?

In most cases our insurance can offer cover for driving in the EU, but you will need to discuss your specific requirements with us. To do so, please call our team on 0330 332 8311. You can also review the insurance Policy Wording when you get a quote – you can then check the cover is suitable for your needs before you buy.

If you have already purchased a policy and are unsure what cover you have, please refer to your Policy Wording. Alternatively you can give us a call on 0330 332 8311.

Q. Am I covered to transport hazardous goods, such as gas?
If you do carry hazardous goods you can select this option when doing your quote.
Q. Will my insurance cover me if I visit dangerous or hazardous sites, such as an oil refinery or racing track?

In most cases our insurance can offer cover for this, but you will need to discuss your specific requirements with us. To do so, please call our team on 0330 332 8311. You can also review the insurance Policy Wording when you get a quote – you can then check the cover is suitable for your needs before you buy.

If you have already purchased a policy and are unsure what cover you have, please refer to your Policy Wording. Alternatively you can give us a call on 0330 332 8311.

Q. Am I covered to transport or tow other vehicles?

In most cases our insurance can offer cover for towing other vehicles, but you will need to discuss your specific requirements with us. To do so, please call our team on 0330 332 8311. You can also review the insurance Policy Wording when you get a quote – you can then check the cover is suitable for your needs before you buy.

If you have already purchased a policy and are unsure what cover you have, please refer to your Policy Wording. Alternatively you can give us a call on 0330 332 8311.

Q. Can I fit my own shelving or racking?
If you have fitted any internal or external racking you can select this option when doing your quote.
Q. Do you provide cover if my vehicle was to break down?

We offer different levels of breakdown cover that can be added to your standard insurance cover. You can select this when you get your quote.

In addition, we also offer Replacement Van cover as an optional extra, which would provide you with an alternative vehicle while yours is being repaired following an incident. You can select this when you get your quote.

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* 10% of all customers buying Van Insurance with us from 1st July 2018 to 31st December 2018 paid less than £197. Based on policies purchased direct, excluding any additional products and upgrades, with payment on an annual basis. Your premium will depend on your circumstances and the level of cover you choose.

~ Based on sales from 1st July 2018 to 31st December 2018 of RAC Van Insurance, purchased direct, excluding any additional products, upgrades and finance charge. Your premium will depend on your circumstances and the level of cover you choose.

RAC Van Insurance is a trading name of RAC Financial Services Limited. Registered in England No. 5171817. Registered Office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Van Insurance is arranged and administered by iGO4 Limited, which is an independent intermediary. Registered in England No. 5095154, registered office iGO4 House, Staniland Way, Werrington, Peterborough, PE4 6JT. RAC Van insurance is underwritten by a panel of insurers.  Both companies are authorised and regulated by the Financial Conduct Authority.

© 2019 RAC Motoring Services. All rights reserved.