Any Driver Van Insurance
Compare any driver van insurance quotes to cover multiple drivers for a single vehicle
What is any driver van insurance?
Any driver van insurance is a type of van insurance policy predominately used by businesses who may require different people to drive the insured van at different times.
While the term 'any driver' sounds very broad, only those approved by the insurance company can operate the vehicle. The requirements of each insurer may vary, where some might ask you to provide specific details about each driver, such as their name, age, past claims, driving experience and occupation etc.,some insurers will only require these details for drivers under the ages of 25.
So you may not always be asked for a full list of potential drivers, possibly only the ones considered to be higher-risk (those under 25 or who do not have a clean driving licence).
Business and personal cover is available, and some insurers will cover both leisure and business trips taken in the same van. As with cars and motorhomes, you can choose between Comprehensive, Third-Party Only and Third-Party Fire and Theft coverage.
Who needs any driver van insurance?
Any driver van insurance is a flexible policy that can help insure vans used for both business and leisure purposes where there is intended to be multiple users of the vehicle.
If several family members use a single van for personal travel, this type of policy may be a cost-saving way to cover each driver, although the insurance company will be able to advise you which type of policy will suit your circumstances the best.
Standard van insurance policies may only protect you whilst driving in the UK. That’s why, if you’re travelling overseas, you should ensure you have insurance coverage across Europe or further afield if you need it. This add-on could be critical for removals companies for example.
Should the worst happen and your van breaks down on the job, then breakdown cover can help with the costs of towing, repairs, and the assistance right at the point where you need it most.
You can purchase goods-in-transit insurance as a policy add-on or as standalone cover. It helps provide coverage for goods being transported for commercial purposes.
This add-on gives you a replacement vehicle if yours needs to be repaired. If you’re running a business and your van is out of action for a period of time, this coverage could help keep your business up and running.
It helps to cover legal costs and any compensation you may be required to pay if a member of the public litigates against you for injuries or damages caused to them.
If your van is involved in an incident, this add-on will help to cover any arising legal expenses.
Employers’ liability insurance can help to cover the cost of compensating employees who are injured or fall ill during work undertaken on your behalf.
If your personal items are damaged, lost or stolen, personal belongings cover can help replace or repair them. The specific items covered will depend on your coverage limits and chosen policy
Compare any driver van insurance quotes
Don't just buy the first policy you are quoted for: shop around for deals.
Pay annually
Many providers charge interest on monthly instalments. You can avoid these extra costs by paying the full cost of your insurance premium upfront.
Avoid modifications
Modifying your van may make it more attractive to thieves. It may then become more likely to be stolen. To help keep premiums low, avoid making unnecessary alterations.
Choose a low-insurance group van
If you're shopping around for a van, purchasing one in a lower insurance group can cut costs when it's time to insure.
Take extra security measures
To prove to insurers that you keep your van safe, consider equipping your van with extra security measures.
Pick a higher voluntary excess
Voluntary excess is the amount you agree to pay in the event of an accident. By paying more in the event of a claim, you could reduce your premium. In the event of a claim, you'll need to pay both the voluntary as well as any compulsory excess, so make sure you can afford both.
Before settling on a policy, always read the terms and conditions.
Some policies may come with restrictions. Age-related restrictions are most likely, with providers refusing to cover drivers under 21 or 25. Similar restrictions may apply to drivers over the age of 70.
There is also the issue of ‘fronting’: this happens when someone more experienced claims to be the vehicle’s primary driver. Fronting is done to try and lower the cost of premiums, but it is illegal.
While these policies are more commonly used to insure commercial vehicles, they might be suitable for families who use a van as their main mode of transport.
How many drivers you can add depends on your provider. Some may impose a restriction of 3 or 5, while others may have no limitations on the number of listed drivers.
