Compare Van Insurance For Any Driver 

Ideal for vans with multiple drivers, You could save up to £622*, Several optional extras available

Search and compare cheap quotes from over 60 UK van insurance providers, including

Tailored quotes from a panel of van insurance specialists

Guide To Any Driver Van Insurance

By Eamonn Turley
Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.

Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team - Fact checked

The team at MultiQuoteTime will fact-check content to ensure accuracy at the time of writing. In addition, we also review and update content on an ongoing basis. We aim to keep the content fresh and useful. If you are considering applying for any of the products, please take note that it is important that you read the terms and conditions that are applicable.

March 2024

Any driver van insurance policy is a popular product for a commercial business. The flexibility of an any driver van insurance policy enables you to quickly appoint another driver if your key driver or any of your drivers become unavailable. The downside is that it will increase your insurance premium. You should compare the market to find the best deal currently being offered in the van insurance marketplace.

any driver van insurance

What Is Any Driver Van Insurance?

This is a policy that lets a van be driven by multiple drivers.  The drivers that are permitted to drive the vehicle can be added must meet the conditions of an any driver policy. These conditions typically limit drivers to being over 25 with a minimum of one year driving experience. These conditions will vary from broker to broker, so please check policy details or ask the broker. 

Levels Of Any Driver Van Insurance Available

Commercial van insurance polices are available at 3 different levels of cover, similar to car and minibus insurance.  In the past, third party only insurance was always the cheapest, but that is now not always the case. Insurance companies discovered that van drivers that purchased the cheaper third party polices were making more claims and have since raised the cost of third party cover. The reason being that higher risk drivers that include young drivers and convicted drivers find it hard to afford fully comprehensive insurance and opt for third party and THFT as it was always the cheapest option.

Third party

Third party cover provides the minimum level of cover required by law. Third party policies pay out to cover the repair or replacement of other peoples’ vehicles, damage to other people's property, including injury or the death of any third party. This basic modified van cover will not cover the repair or replacement of your own vehicle following fire, theft or accident.

Third party Fire and Theft

This level of cover provides minimum third party cover, but will pay out for the repair of your own vehicle if it’s damaged by fire or for the cost of replacement if it’s stolen.


This level of cover includes all of the above but also, importantly, for any damage to your own modified van even if you were at fault. Fully comprehensive policies may also provide minimum third party coverage to a trailer or caravan being towed. However, all policies are different, and you may wish for more than third party cover for a valuable horsebox trailer or touring caravan, so read the terms and conditions carefully.

Multi Van Any Driver Insurance

Multi van any driver is available as a form of fleet van insurance, click here to get a quote or read more on multi van insurance with any driver options.

Advantages Of An Any Driver Van Insurance Policy

As the name implies, in this type of cover, the van can be legally driven by any qualified driver that is given permission. Any diver does not always equate to any age. Young drivers under 25 are in a higher risk category than drivers over 25, and most brokers will exclude these from any driver policies to keep premiums reasonable. 

If you have young drivers, speak with your broker as often they can be covered under a separate named policy, so it does not impact the cost of an any driver policy. Similarly, drivers that are just qualified with limited driving experience may also be excluded as again new drivers are in a higher risk of accident category.

For a business that relies on of a fleet as part of their business, example a delivery service, an any driver policy will save time on arranging cover for new drivers. This along  with easy driver vehicle allocation can outweigh the extra cost of this policy type.

Did you know?  You must inform your broker of any van modifications, however basic.

Does Any Driver Van Insurance Come With Limitations?

The answer is yes, brokers will define any driver in terms of age, for example, must be over 25. They can also stipulate that any driver must have held a UK licence for at least 1 year. These conditions will vary slightly, so take time to read and understand any limitations imposed. If you are working to a budget, you may wish to consider a no deposit van insurance that can be paid on a monthly basis, similar to no deposit car insurance or low deposit. Take note that most insurance companies will charge a little extra for making monthly payments over a one-off annual payment.

Courier Van Insurance

If you use your van delivering goods, you will need specialist courier van insurance. This is slight more expensive than standard business van insurance. Van couriers are seen as higher risk, they tend to work within tight time constraints and provide their service regardless of weather conditions.

How To Reduce The Costs Of Any Driver Van Insurance

Like any vehicle insurance policy, the age of the driver has a large influence on the premium price that will be quoted. Young drivers under 25 are classed as a high risk. By excluding young drivers, the premium for any driver van insurance UK will be reduced. Other ways to get the best deal on any driver van insurance include;

Comparing quotes for any driver van insurance from different insurance companies is an excellent start to finding the best deal. However, you can also try and reduce premiums by:

  • Secure Parking : Keeping your van in a secure overnight parking building or lot. Premiums are based o a large extent on the risk of your van being stolen or damaged. If you can provide safe overnight parking, the broker will see this in a positive light, and you should be rewarded with a slightly cheaper premium. Adding additional industry approve tracking and immobilisers should help further reduce the premium quoted. 
  • Excess : Can you burden a higher excess in return for a cheaper premium? Increasing the excess equates to being more responsible and taking some risk from the broker. Work with your broker to see if you can both come to some arrangement for a higher excess for a lower premium.
  • Exclude policy items that are not required, for example, travel to Europe or replacement vehicle if not needed.
  • Low Insurance Van Groups : If not too late, take into account the van insurance groups when making your van purchase. Reviewing the best small courier van can be helpful.
  • Avoid modifications to the van. The only modification that will lower the cost of the premium will be when a business is advertised on the side of it. All other modifications will increase the premium costs. If your van is modified, then you will need modified van insurance.
  • Black Box: Adding a Black Box can help reduce future premiums, if the data collected shows that you fall in to a lower risk category. Adding a Black Box can also drive up your premium if the data shows that you drive badly or that you drive mostly at night as examples. You will need to weigh up the pros and cons of insurance with or without a black box. 
  • Multi Van Insurance : For a business with more than one van, the use of multi van fleet insurance should be considered. A fleet policy for multiple vans should be more cost effective. This type of policy provides a discount as new vehicles are added to the policy. Apart from making admin easier, it should provide overall savings. However, this is not always the case, and it is wise to compare the costs against the traditional one van one policy route.

Van Insurance For Any Driver Over 25

You can save money on any driver van insurance by limiting the policy to over 25 with an agreed minimum number of years driving experience. Because you have removed under 25  drivers your risk will be lowered which will be reflected in your annual premium.

Catering Van Insurance

Catering vans need a special cover, sometimes referred to as catering van insurance. For an insurance quote for a catering van, please follow this link. 

Who Provides Any Driver Van Insurance In The UK?

Get A Cost-effective Quote For Any Driver Van Insurance Today

The comparison site can help you compare quotes from over 100 van insurance brokers in both the UK and NI. Simply select the GET QUOTES button and complete an inquiry form to get access to these quotes. You can browse and bookmark any that look attractive. You can complete the transaction instantly or bookmark to return later. Finding cheap van insurance is not easy, but getting multiple quotes is one step in the right direction.

Van Insurance For Any Driver FAQ's

What is The Minium Age for Any Driver Van Insurance?

The minimum age will depend on the insurance provider, many impose age limits on their any driver van insurance polices, typically 25. After you get your initial quotes, you can then discuss your driver age requirements with the insurance provider. The insurance provider can then tailor the policy to your requirements if possible.

Can I get quotes for Any Driver private use?

Yes, van insurance for private use is available, and we can provide access to specialist providers of both private and Commerical van use insurance.

*51% of consumers could save £622.09 on their Van Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices
quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024. The savings you could achieve are
dependent on your individual circumstances.

Scroll to Top