The cost of van insurance usually includes the insurer’s base premium, Insurance Premium Tax (IPT), any broker or administration fees, and optional extras such as breakdown cover or legal expenses cover. Your van’s use, driver details, location, annual mileage, claims history, security measures, excess and chosen level of cover can all affect the quoted price. Comparing quotes on the same basis and paying annually, if affordable, may help reduce the overall cost, but the cheapest policy may offer less suitable protection. Check the policy wording and provider’s FCA authorisation before buying.