Cheap van insurance works in the same way as other van cover: an insurer assesses your risk and sets a premium based on factors such as the van, its use, mileage, location, drivers and claims history. Third-party cover is the legal minimum, while comprehensive policies may also cover damage to your van, theft and other risks, subject to exclusions and excesses. Compare policies on a like-for-like basis, checking business use, tools or goods cover, breakdown assistance and any courtesy-van limits. Give accurate information, then check the policy wording and that the insurer or broker is FCA-authorised.