As a young driver thinking about owning a van, find out about covering the basics with van insurance.
Published: 27 Aug 2024 Last updated: 16 Jun 2025
Whether for the extra space or because road trips sound more fun than backpacking, you may think about owning a van instead of a car as a young driver.
Can I get van insurance as a young driver?
Yes, as a young driver you can get our van insurance.
And while nothing could touch the love you have for your van, someone may not feel the same, so it’s worth understanding how to help protect your van. The maximum Gross Vehicle Weight (GVW) limit is 3.5 tonnes for most vehicles, but this extends to 4.25 tonnes for electric vans only. For vans including box vans, light vans, pick-ups, and electric vans, here are three basics to check for:
Tool cover (comprehensive cover only) – This means that if someone uses a crowbar to crack open your van doors and pinch some tools, you’re covered. We won't cover loss or damage arising from theft not involving forceable entry to your van, and there is a cover limit of £500 which is only available if you have comprehensive cover.
Lifetime repair guarantee – After a claim, this guarantees the quality of repairs made by our approved repairers for as long as you own your van (even if you change insurers). Parts are covered for the length of the guarantee given by the part manufacturer or supplier. Wear and tear is not covered. You must keep your vehicle roadworthy.
Glass replacement – Be it a stone skidding off another vehicle’s tyre or something falling from above, if your van’s windscreen or windows are shattered this cover can help sort out a replacement or repair.
What van insurance options are available?
There are two types of van insurance cover to think about based on your activities.
If you're only planning on driving your van for personal or social reasons, like lugging your camping equipment on your next adventure, then our personal van insurance could fit your needs.
But if you’re planning on using your van for any work-related activities, like driving back and forth from job sites or it’s helping you run a small business, then you’ll need the Business Vehicle and Van Insurance.
What our Aviva Signature van insurance covers
Once you know what your van will be used for (personal or business), you can find the level of van insurance cover to fit your needs.
Comprehensive van insurance
What’s covered
Loss, theft or damage Cover if your vehicle is lost, stolen or damaged
Vehicle recovery If you have an accident, we'll get your vehicle going with roadside repairs, or cover up to £500 for accommodation or public transport
Transport after an accident If you've got comprehensive cover and your van's not safe to drive, we'll arrange to get you to your destination and deliver your van to an approved repairer Footnote [1]
Tool cover If your van is broken into and your tools stolen, you’re covered up to £500
Glass replacement We’ll cover the costs to replace or repair your van’s windscreen, sunroof, or windows
Replacement locks If your keys are lost or stolen, we’ll pay to replace locks, transmitters, or immobilisers
Your no claim discount Make sure one claim doesn't make years of hard-earned discounts disappear
What’s not covered
Business goods Any goods or samples you carry for your trade or business
Tyres Any punctures, cuts or bursts – including those caused by braking
Depreciation We don't cover any loss in value of your van after repair
Take a look at our policy wording to get to the bottom of what’s covered and what’s not.
What’s optional
Sculpt your cover to suit your needs by choosing from our optional extras.
Breakdown cover Add Roadside assistance, Recovery, At Home and Onward Travel to your Van Insurance. Not available if you live in Northern Ireland
Motor legal Help recovering your compensation and financial losses after a motor incident that wasn't your fault
Courtesy vehicle Access to a replacement vehicle – with standard and enhanced options available
Foreign use Cover driving in most European countries – so wherever you are, you’re protected
Motor Injury Protection Plus Injury cover and physiotherapy for you, your partner, and any named drivers after a motor accident
Protected no claim discount Your premium won’t increase as a direct result of 1 claim when you renew
Third party, fire, and theft
What’s covered
Damage to your van Protection against loss or damage to your van due to fire, theft, or attempted theft
Van recovery Protection and removal of your van if damaged by fire, theft, or attempted theft
Your liability Cover if you injure someone or damage their vehicle or property in a motor accident
What’s not covered
New van replacement Not included with this type of cover
Glass replacement Any repair or replacement to glass in your windscreen, sunroof, or windows
Medical expenses Any medical expenses if you’ve been injured in an accident
Personal belongings Damage to any of your personal belongings
Replacement locks Locks, transmitters, and immobilisers if your keys are lost or stolen
Tool cover Any replacement tools if your van is broken into
Get to grips with what’s covered and what’s not by looking through our policy wording.
What’s optional
Sculpt your cover to suit your needs by choosing from our optional extras.
Breakdown cover Add Roadside assistance, Recovery, At Home and Onward Travel to your Van Insurance. Not available if you live in Northern Ireland
Motor legal Help recovering your compensation and financial losses after a motor incident that wasn't your fault
Protected no claim discount Your premium won’t increase as a direct result of 1 claim when you renew
Our van insurance could help to cover you and your vehicle against the costs of damage and accidents. From transporting your precious cargo to your camping equipment for weekend filled adventures – With our different options and add-ons you can choose a cover level to suit your needs.
