Cheap van insurance usually means a policy with a lower premium, but it may offer less cover, a higher excess or more restrictions. Check whether you need social, domestic and pleasure use, commuting, carriage of goods, or business use, and make sure the van’s value and security details are accurate. Compare like-for-like policies, including comprehensive, third-party fire and theft, and third-party-only cover, rather than choosing on price alone. Before buying, check the policy wording and consider quotes from FCA-authorised providers.