Any Driver Van Insurance

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What Is Any Driver Van Insurance?

In its simplest form, any driver van insurance is a type of van insurance policy that makes it possible for any driver to be insured to drive a van, removing the need to manage named drivers on a policy. This flexibility can have multiple benefits as discussed below. There are however limitations to the term “any driver”, for example most of these policies will put a minimum age limit of 25 or 21 and you’ll need to be aware of the limitations that a particular policy may impose when deciding if it is suitable for your situation.

Any driver van insurance is useful in a number of situations, for example – businesses that have multiple employees will often require different van drivers for different shifts. If you have a fleet of vehicles and different drivers whom you would want to insure on your vans, it may be worthwhile considering van fleet insurance. Any driver van insurance is not just useful for businesses, you could also insure a family van which can be used by different family members and friends.

Because any driver is able to drive the van, the cost of this type of insurance is usually higher than having named drivers on a policy. Asides from this, these policies are very similar to standard named driver policies which include different levels of cover such as fire and theft, fully comprehensive etc.

What Are The Benefits Of Any Driver Van Insurance?

Some of the benefits of insuring a van with an any driver policy are:


You can be more flexible in the way you run your business, with any employee being able to drive your vans. This means that if one of the drivers is unavailable, another driver can step in to complete the required job, potentially saving you time, money and inconvenience.


Having separate policies for individual drivers requires extra paperwork in case of a change of driver. Having any driver van insurance will therefore save you the trouble and hassle of amending your insurance policy when drivers change.

Cost savings

Dependent on your specific requirements it is possible that it works out cheaper by having an any driver policy for your van compared to individual policies.

What Factors Affect The Cost Of Any Driver Van Insurance?

Factors that affect the cost of an any driver van insurance policy include:


Insurance policies for younger van drivers tend to cost more than policies for older drivers. This is likely to be the same for an any driver van insurance policy that also covers drivers under 25 years old. This is because statistically, younger drivers are considered less experienced and are more likely to cause accidents compared to older drivers.

It is important to note that any driver policies do come with certain restrictions, for example a lot of policies will only provide cover for any driver over the age of 25, or sometimes 21.

Commercial or domestic use

Private use van insurance policies tend to be cheaper than those for commercial use. Commercial vans carry additional risk as they are used to transport other people’s goods for payment or your own goods. These vans are considered to be at higher risk of damage/theft because they are on work sites and roads most of the time. This exposes them to frequent wear and tear. They also incur the additional cost of insuring the goods they transport. The type of policy cover taken on commercial vans being used by couriers is known as hire and reward cover. It is typically more expensive than domestic use.

Size and weight of the van

Heavier vans tend to have high premiums compared to smaller vans. This is down to a number of risk factors including the fact that insurers consider large heavy vans harder to drive compared to small light vans. Similarly, these large heavy vans are at increased risks of accident and will therefore increase premiums.

How to reduce the costs of an any driver van insurance policy

Using a comparison site

First and foremost, taking the time to compare quotes for any driver van insurance from different insurance companies is a good way to keep your premium costs lower. However, you can also try and reduce premiums by:

Increasing the security of your van

Your premiums will most likely come down if you look at and improve any factors that will make your van more secure. If you are able to put in security alarms and immobiliser systems in your vans, premiums will often be cheaper. Similarly, vans kept in a garage overnight are safer than the ones packed by the road side. This is obviously appealing to the insurer and you may therefore see a reduction in your premiums. If you are considering investing in security equipment, you can always run a comparison to see the impact that having additional security will make to your policy.

Paying a larger voluntary excess

Apart from a mandatory excess that should be paid on all vehicle policies, you can pay an excess of each claim. This portion of your claim you choose to pay can lead to lower premiums. However, you should set an amount that you can afford as every claim will result in your paying the excess prior to the insurance company paying out.


In conclusion, any driver van insurance should not be misinterpreted to mean all drivers. It is therefore important that any driver you consider to have access to your van must meet any restrictions imposed by the insurance provider. It is important to consider quotes from different insurers to help you choose the one that suits your needs and budget.

To compare quotes from a panel of any driver van insurance specialists, head over to the quote form by clicking the button on this page.

Any Driver Van Insurance For Couriers

You can also find any driver courier van insurance with us. If you use your van for courier-related work you and your team can be insured. The same benefits apply as with standard any driver van insurance, meaning that you won’t have to worry about adjusting your policy when members of your courier business start or leave. Use the button below to get a quote.

Frequently Asked Questions

What ages do you cater for?

We will try to help in any situation, however, many insurance providers will impose lower age limits on their any driver policies. It is therefore essential that you discuss this with the insurance provider during your quote.

Can I get a quote for private use van insurance?

Yes! Simply fill out the form and compare quotes – the prices will take into account whether you need insurance for private use or commercial vans

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.