That's because insurers will usually cover any type of van up to that weight, whether it's a minibus, a pickup truck or a Luton box van.

When you get into the over 3.5 Tonne ballpark, then things get a little more complicated because you're talking trucks and lorries as opposed to vans.

Once you get into trucks and lorries, lots of insurers will not offer cover for vehicles of that size.

Why is there a cut off at 3.5 Tonnes?

There's a cut off with most insurance providers when a van or vehicle weighs more than 3.5 Tonnes.

Generally the kinds of brokers you find on comparison websites will not insure medium-sized or Heavy Goods Vehicles (HGV); basically vehicles weighing more than 3.5 Tonnes.

To drive a vehicle that weighs more than 3.5 Tonnes you need Category C1 or C driving licence, which involves another driving test. In the grand scheme of things, not many people drive these types of vehicles and when they do, it is for work purposes.

Because of that, the mainstream insurance providers tend not to cover vans weighing over 3.5 Tonnes.

What if my vehicle weighs less than 3.5 Tonnes?

If your van weighs less than 3.5 Tonnes then you're in luck because you can compare van insurance for models that weigh less than that.

Most vans we see on UK roads, like the Ford Transit for example, weigh less than 3.5 Tonnes and they are classed as Light Commercial Vehicles (LCV).

Anyone with a full UK driving licence can drive a van as long as they weigh no more than 3.5 Tonnes.

And because of their frequency on UK roads, most insurance brokers will provide both personal and business insurance quotes.

You can compare 3.5 Tonne van insurance with The Van Insurer. We compare quotes from more than 40 brokers so you get lots of choice on your next van insurance policy.