Van insurance is a type of insurance policy specifically designed to cover vans and their drivers against various risks and liabilities. Just like car insurance, van insurance provides financial protection in case of accidents, theft, damage, or other unforeseen events involving the insured van.

Van insurance typically offers different levels of coverage, including:

1. Third-party only (TPO) insurance: This is the most basic level of van insurance and covers damage or injury caused to third parties, including other vehicles, pedestrians, or property. It does not cover damage to the insured van itself.
2. Third-party, fire, and theft (TPFT) insurance: This level of coverage includes protection against third-party damage or injury as well as cover for fire damage to the insured van or theft of the van itself.
3. Comprehensive insurance: This is the highest level of van insurance coverage, providing protection against third-party damage or injury, fire damage, theft of the van, and also covers damage to the insured van itself, regardless of who is at fault in an accident.

Van insurance premiums are determined by various factors including the driver’s age, driving experience, the purpose of the van (personal or commercial use), the van’s value, its engine size, and where it will be parked overnight. Additionally, insurers may offer optional extras such as breakdown cover, legal expenses cover, and cover for personal belongings kept in the van.