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Why are premiums so high?
Insurance premiums depend on risk, vehicle type, and driver history — but you can still find cheap van insurance quotes by comparing providers and adjusting your cover options.
On top of this, the expense of repairs, van parts, and cost of labour has gone up. These costs have forced insurers to raise van premiums to recover their losses.
Van theft is another factor. Over 17,000 tools were stolen from vans in 2024, and theft claims push up premiums across the board. Vans are also typically driven more miles per year than cars, which increases the likelihood of an accident or breakdown.
On average, van insurance tends to cost more than car insurance. The larger size of vans means higher repair bills, and commercial use adds risk that personal car policies do not carry. Comparing quotes regularly through a service like Quotezone is one of the most effective ways to offset rising costs and find a policy that fits your budget.
