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Temporary Van Insurance

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Temporary van insurance  

What is temporary van insurance?

Temporary van insurance is a flexible solution for drivers who need to use a van for a short period of time. This could be for a work project or if you’re moving house. It’s similar to temporary car insurance but typically caters more specifically to the type of vehicle being insured and the specific usage. Temporary van drivers may have more restrictions when it comes to age and driving experience, but other than that, it can offer comprehensive van insurance cover for the time that you need it. There’s no need to take out an annual policy for temporary van usage.

When is temporary van insurance useful?

Temporary van insurance can be useful in the following situations:

  • Moving house
  • One-off deliveries
  • Test driving
  • Borrowing a van
  • Temporary jobs or seasonal work
  • Events
  • Emergencies
  • Sharing driving duties on a long trip
This insurance is designed to be flexible, so you can secure comprehensive coverage for as little as one hour or even months at a time if you need it for longer. Daily or weekly van insurance periods are also popular.

Types of temporary van insurance

Short-term van insurance policies  

Temporary cover for commercial vehicles

Temporary van insurance for business purposes

Temporary van insurance with European cover

Applying for temporary van insurance

It is typically quick and easy to apply for temporary van insurance online, especially if you have all of your information ready. Many insurance providers offer this type of cover, so you should not have difficulty finding a suitable solution for your situation. 

Criteria for getting temporary van insurance

To qualify for temporary van insurance in the UK you may need to be 21 or older. Insurance companies typically set this age limit to reduce their risks, but some may be more lenient than others. It’s worth shopping around to find the best insurance options if you’re a young driver. 

You’ll need to have a valid driving licence and possibly a clean driving record too. 

Information for a temporary insurance quote

Typically, when requesting a quote for temporary van insurance, you’ll need to give information about your driving licence, your age, your location, claims and driving history.

Insurers will also need to know the details of the van being insured and what it will be used for. 

Comparing temporary van insurance providers

It’s important to compare multiple quotes when you’re looking for temporary van insurance.

Insurance companies have their own policies and underwriting criteria. This means that some might offer better deals for your needs than others.

Our platform can help you source quotes that you can compare side-by-side, giving you peace of mind that you’re covered at a fair price. 

What does temporary van insurance cover?

Temporary van insurance cover typically offers comprehensive protection. This means the van will be covered as well as third-party injuries or property damage if you’re involved in an accident. Depending on the policy taken out, it can cover you for recreational, domestic or business purposes. It will typically not affect your no-claims discount on any annual policy you may have.

Levels of cover available for temporary van insurance

Optional extras for temporary van insurance policies

Temporary van insurance can generally be extended to include extra coverage. This can be breakdown cover, legal expenses, tools or equipment, contents insurance or specific business purposes that may be higher risk. Some insurers may include these as standard in their policies while others may offer them as add-ons. Prices and policies typically vary between insurers so it’s advisable to shop around and compare multiple quotes. 

Additional drivers and any driver options

For short-term van insurance, you’ll typically need a separate policy for each driver. Additional named driver options are usually reserved for longer-term policies. 

How much does temporary van insurance cost?

Temporary van insurance costs vary from situation to situation. It’s not one-size-fits-all. Insurers look at various factors like the driver’s age, driving history and location. They’ll also account for the size and value of the van and what it will be used for. If you’re planning to add additional cover, this will adjust the cost too. To find cheap temporary van insurance we recommend comparing as many quotes as possible. This will increase your chances of finding the cheapest temporary van insurance that covers your needs.

Benefits of temporary van insurance

Flexibility and convenience of short-term cover

Van insurance that is temporary is convenient when you only need to use a van for a short time. You can take out cover for as little as one hour, days or even months. One month van insurance can be popular for longer periods. It offers both comprehensive cover and flexibility in one go. You don’t need to commit to an annual policy if you occasionally use a van, you can also typically extend your policy term as required. 

Peace of mind for temporary van owners

Even if you only take out one day van insurance, you’ll have comprehensive coverage for that day. This gives you peace of mind knowing you can go about your business without worrying about what might happen. 

Financial savings compared to annual insurance policies

When you compare temporary van insurance with annual insurance, you’ll find that daily rates differ. Annual policy day rates are typically lower on a day rate basis when compared with short-term policy day rates. However, the upside of a temporary policy is that you only pay for the time you use the van. This means you’ll generally save money by using short term van insurance if you only need cover for a day or a few weeks. 

Limitations of temporary van insurance

Restrictions on usage and driving rules

Temporary van insurance may come with a few restrictions. These typically have to do with the age of the driver, the size of the van and what it will be used for.   

  • Age restrictions – most insurers require a driver to be between the ages of 21 and 75. For younger drivers, you’ll typically need to look for temporary van insurance for under 21 year olds. 
  • Licence restrictions – be sure to check your licence to see what sizes of vans you are authorised to drive.  
  • The van – these policies typically cover vans up to 3.5 tonnes. For larger or modified vans you’ll need additional cover or a specialised policy.  
  • Usage – standard policies typically cover you for recreational or domestic purposes. If you’ll be using the van for commercial purposes, you’ll have to take out temporary business van insurance. 

Coverage limitations and exclusions for temporary van insurance

It’s important to review the terms and conditions of various temporary van insurance policies as they’ll likely vary between insurers.

They’ll typically have coverage limits that apply to the type of van you’re insuring and any third-party payouts that may arise.

Unless specified in your policy, business-related incidents or incidents involving a modified vehicle will likely not be covered under standard temporary van insurance. 

Temporary van insurance FAQs

How much is temporary van insurance?

The cost of temporary van insurance will vary from person to person. That’s because premiums are based on a variety of factors. These include the driver’s age, driving history, location and what the van will be used for. Safety and security features as well as the intended mileage can also impact the cost. 

How much does temporary van insurance cost for a young driver?

Drivers under the age of 25 are considered higher risk, so they’re typically charged more for insurance. This is also true for temporary van insurance. The type of van and what it will be used for also play a role so prices can vary. We advise that drivers source and compare a variety of quotes to increase their chances of finding the best deal. 

Do I need to get temporary van insurance if I rent a van?

Most major rental companies include insurance automatically. This may only be third-party cover though. If you want comprehensive coverage, you’ll need to take out extra cover for your rented van. Most temporary van insurance policies exclude cover for rented vans, so you’ll need to shop around to find suitable protection. 

Can I take out temporary van insurance for an employee?

Yes, you can. This is a great option if you want to get any employees driving without delays. Typically, you can get cover within five minutes and your documents will be emailed to you immediately. 

Can I get temporary van insurance for my business?

Yes. Temporary business van insurance is necessary if you’re using a van temporarily for commercial purposes. While business van insurance can cost more than personal use it can also cover more risks. This could include equipment or goods cover and commuting between sites. Note that courier or taxi services are usually excluded. These will need specialised insurance. 

Is temporary van insurance fully comprehensive?

Yes, usually. Temporary vehicle insurance typically offers fully comprehensive as standard. This includes temporary van insurance. Some insurers may offer third-party-only cover if you request it. 

How long does temp van insurance last?

It can vary. It depends on the length of cover you’ve chosen. It could be as little as one hour or up to 28 days, sometimes more. Read your policy terms carefully to know the limits of your policy. If you need more time, be sure to organise an extension while your policy is still valid. 

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