Can I drive someone else's car in Ireland?
The short answer is that you are only insured to drive someone else’s car if cover applies...
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Commercial or private van insurance: what to compare
How you use your van is one of the biggest factors affecting your premium. Tell your insurer or broker exactly what the van is used for, what it carries, who it carries goods for, and whether you are paid for that work. Private, business and commercial use are rated differently, so always compare quotes based on the use you actually need.
Level of coverThere are three levels of van insurance. Third party is the legal minimum and covers damage or injury caused to others. Third party, fire and theft adds cover if your van is stolen or damaged by fire. Comprehensive cover also protects your van against accidental damage, regardless of who was at fault.
What's covered inside the van?A van insurance policy covers the vehicle itself. Cover for tools, equipment, stock or goods carried in the van is often optional and may be subject to limits and conditions. Always check what contents are covered, the maximum claim amount available and any exclusions before choosing a policy.
Comparing van quotes like for like
Line the quotes up on the same use, the same level, the same drivers and the same excess, then look at what each includes: the CCPC says windscreen cover, breakdown assistance and a replacement or hire vehicle vary between insurers, and that a higher excess usually means a lower premium. Check the tools figure and its conditions, and whether any fittings or signwriting you declared are covered.
Answer the use questions honestly and with reasonable care, as the Consumer Insurance Contracts Act 2019 requires; the CCPC warns that undisclosed details can lead to cancellation and make later cover hard to find. Our van insurance page covers what the policy needs to include, and van insurance quotes covers the quote process. See commercial insurance. To go through it, call 0818 92 92 42, Monday to Friday, 9am to 5.30pm.
Sources: Citizens Information – motor insurance; Consumer Insurance Contracts Act 2019; CCPC – car insurance. Last reviewed September 2026.
