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Compare cheap van insurance quotes

Compare cheap van insurance quotes

Van insurance in Ireland works on the same three levels as car insurance, third party, third party fire and theft, and comprehensive, with one question you must answer exactly: what the van is used for. GMIB.ie compares van insurance quotes from a wide panel of insurers, and where the form cannot give a price straight away, one of our agents reviews your details and calls you back with the options. Enter the registration and your details below to get a quote in under 60 seconds.

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Van insurance cover levels and what you must declare

Cover levels. Van insurance is available in three levels of cover. Third party is the minimum legal requirement and covers damage or injury caused to other people. Third party, fire and theft also covers your van if it is stolen or damaged by fire. Comprehensive cover adds protection for accidental damage to your van, regardless of who was at fault.

Use. We will ask how the van is used, who drives it, and whether it is for private use, carrying your own tools and equipment, or transporting goods for others. It is important to answer accurately, as the type of use can affect both cover and premium. Incorrect or incomplete information could affect your policy.

Driver number and disc. You will need to provide the driver number for everyone named on the policy. This can be found in section 4(d) of an Irish driving licence or learner permit. A valid insurance disc must also be displayed on the vehicle whenever it is being driven.

Tools, goods, drivers, and getting quotes

Tools and goods. Van insurance covers the vehicle itself. Cover for tools, equipment, stock or goods carried in the van is usually separate and may have limits and conditions. If you need this protection, ask what is covered, the maximum claim amount and any restrictions that apply.

Signwriting and fittings. Let us know about any modifications or additions to the van, such as shelving, racking, tow bars, bulkheads or signwriting. Providing full details helps ensure your cover is arranged correctly and avoids problems if you need to make a claim.

Comparing quotes. When comparing van insurance quotes, make sure you're looking at the same level of cover, declared use, named drivers and excess. A lower premium may simply reflect a lower level of cover or more limited usage. For a fair comparison, compare like-for-like policies. If you operate multiple vans or need cover for a range of business vehicles, our commercial insurance team can help arrange a suitable solution. See commercial insurance. To talk it through, call 0818 92 92 42, Monday to Friday, 9am to 5.30pm.

Sources: Citizens Information – motor insurance; CCPC – car insurance; Consumer Insurance Contracts Act 2019. Last reviewed September 2026.

Van Insurance FAQ: Everything You Need To Know

  • Do I need commercial van insurance if I only use the van privately?

    Declare the use truthfully. Citizens Information notes that a standard motor policy covers social, domestic and pleasure use only, not the carriage of goods, and that business use carries a loading. The Consumer Insurance Contracts Act 2019 requires honest answers given with reasonable care.

  • Are my tools covered if the van is broken into?

    Only if the policy says so and up to the amount it states. Tools and goods in the van are a separate question from cover for the van itself, so ask for the figure and any conditions before you rely on it.

  • How much is van insurance in Ireland?

    There is no standard price. Citizens Information lists the factors insurers consider: experience, claims history, where you live, age, the vehicle’s value, age and engine size, what it is used for, the cover level and the excess. A quote with your own details is the only real answer.

  • Can I add another driver to my van policy?

    We will ask who drives the van, and the driver number from each driver’s licence or learner permit must be given. Each insurer decides how an additional driver affects the price.

  • Does my car no-claims bonus transfer to a van?

    The CCPC says a no-claims bonus can be transferred between vehicles, and that a separate bonus is needed for each vehicle you own. Whether a van insurer accepts a bonus earned on a car is that insurer’s decision; bring the letter and declare it.

  • Do I need to declare racking or signwriting?

    Yes. They are changes to the vehicle, and Citizens Information’s advice is to disclose anything that may be relevant and let the insurer decide. Keep receipts.

  • What do I need to get a quote?

    For the Quick Quote: the van’s registration and value, your area, name, date of birth, licence type, no-claims years, mobile number, email, cover start date and Eircode. We will also ask what the van is used for, who drives it, and about any fittings or signwriting.

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