Private van insurance

Most people will be eligible for AXA Van insurance.

However, we won’t be able to insure your van if you, or any of the drivers of your van:

• Aren’t aged between 25 and 75
• Don’t hold a full or provisional UK driving licence
• Aren’t a permanent UK resident
• Have had any previous insurance policy declined, cancelled, or declared void
• Have been declared bankrupt or been subject to any bankruptcy proceedings or any form of insolvency or winding-up procedures
• Have been prosecuted or served prohibition order under health and safety legislation
• Have been disqualified from a directorship of any company

To see if we can give you a quote that meets your needs, call us now on 0330 159 1521^◆.

It depends on the kind of van you’re driving. You can drive a van of up to 3,500kg if you have a standard category B car driving licence. You need a Cat C1 if the vehicle you’re driving weighs more than 3500kg, but there is more detailed information on UK Governments’ driving a van page.

If you don’t have the correct van licence, then you could face a hefty fine, points on your licence and your insurance cover may be declared invalid in the event of a claim.

Yes. Under the Road Traffic Acts, any vehicle used on the road must be insured against third party liabilities, otherwise an offence will be committed.

In addition, as part of the Continuous Insurance Enforcement system owners of vehicles registered with DVLA but not recorded on the Motor Insurance Database are liable for a fine or could have their vehicle seized.

The only time where you won’t need insurance is if you’ve declared your van ‘off the road’ with a SORN (Statutory Off-Road Notice) to the DVLA.

Occasionally, some more modern models of vans can look very similar to a standard car. However, vans can’t be covered by car insurance and vice versa.

There’s an easy way to double check if your vehicle is considered a car or a van – simply input your registration number on the government’s website.

• If the Vehicle Type Approval Number (TAN) is M1, it’s a car.
• If it’s classed as N1 or N2, it’s a van, also referred to as a goods vehicle.

You can also find this information in your V5C logbook.

Yes, you can. When you’re going through the quote journey then please tick the box that says ‘not owned yet' and just leave the reg number blank.

You can manually search for the make/model. Before buying the policy, you'll be asked to enter a registration number.

Yes, having valid motor insurance is a legal requirement for any van. Vans used for work purposes will require commercial van insurance, while vans used for personal reasons will require private van insurance.

Our private van insurance does not cover commuting. If you need insurance to cover your van for commuting to or from work then you’ll need to purchase commercial van insurance, not private.

No, caravans won’t be covered by standard private van insurance. Under your policy you’ll have the minimum cover to legally tow a trailer, however we don’t cover loss or damage to caravans.

Caravans should be covered separately under a specific caravan policy as our extended cover is only for trailers and valued up to £5000.

AXA offer cover for both the loss or theft of personal belongings (up to £250) and the loss of theft of your van keys (up to £500) as standard with your policy.

Yes, it will. Our private van insurance cover will protect you for 93 days of EU travel as standard.

Please note: You will need to contact us before travelling to activate this. Without doing that, you’ll only have the minimum legal cover required, not full policy cover.

Our certificate does not allow customers to drive other people's vehicles. To drive a friend's vehicle, you will need to be added as a driver on your friend’s insurance policy.

Our insurance is arranged on a named driver only basis, so only people named on the motor certificate are allowed to drive your vehicle.

We only allow cover for small vans up to 3500kg gross weight. Anything carried in or towed by the van must be done legally and within the manufacturer’s guidelines for the type of vehicle.