Any Driver Van Insurance

What is any driver van insurance?

Any driver van insurance is a policy that covers any eligible driver to use your van, so you do not have to add and remove named drivers whenever staff change. It is built for businesses where different people drive at different times.

"Any driver" has limits. The insurer sets rules every driver must meet, most commonly a minimum age. You will also normally only be offered it as part of a fleet insurance policy.

Can I get any driver insurance on just one van?

Usually not. Most single van policies allow a maximum of 4 named drivers, and true any driver cover is normally only offered on a fleet policy of 2 or more vehicles.

If you have one van and more than 4 people who need to drive it, you have three options:

1. Name up to 4 drivers on a standard van insurance policy and choose them carefully.
2. Add a second vehicle to make a fleet. It does not have to be another van. A company van plus a director's or employee's car can be insured together on a fleet policy with any driver cover.
3. Speak to a broker. A specialist fleet broker can tell you whether your vehicles qualify and which drivers each insurer will accept.

Do I need fleet insurance to get any driver cover?

Yes, in most cases. Any driver cover is normally a feature of fleet insurance, and most fleet insurers start at 2 vehicles. This is why the quote button on this page takes you to a specialist fleet insurance quote form.

The vehicles in a fleet can be a mix of vans, cars and other commercial vehicles. Most insurers will want the vehicles owned or leased by the business, or registered to a director, so check this before you apply.

Does "any driver" mean anyone can drive my van?

No. Every driver must meet the insurer's conditions, and anyone who falls outside them is not insured, even on an any driver policy. Common conditions include:

• Minimum age: usually 21 or 25, sometimes 30.
• Licence: a full UK licence, often held for at least a set number of years.
• Convictions: drivers with serious or recent convictions may be excluded, or need referring to the insurer.
• Claims: a poor individual claims record can exclude a driver.
• Who they are: some policies cover "any employee" rather than literally any driver, so friends or subcontractors may not be covered.

If someone drives your van without being covered, both the driver and the business can be committing an offence. Read the driving restrictions in your policy and share them with your staff.

Any driver or named drivers: which is right for me?

Which fleet insurers cover drivers under 21 and under 25?

You can insure drivers aged 18, 19 and 20 on a fleet policy, but few insurers say so publicly, and almost always as a named driver rather than under "any driver" cover. QBE is the only major fleet insurer that publicly says it will consider drivers from 17. Most others charge a young driver excess, and some will not cover under-21s at all.

We read the policy wordings, product guides and broker documents of 11 UK fleet insurers in October 2026. These are the eight that publish anything about young drivers.

Last checked: 17 October 2026

What the research shows

• Under-21s are named, not "any driver". No insurer we checked publishes an any driver option below 21 for small fleets.
• QBE, AXA and Aviva are the clearest routes for 18 to 20 year olds. QBE considers drivers from 17, AXA's wording sets an excess for under-21s, and Aviva covers under-21s when they are named.
• The excess is the hidden cost. It ranges from nothing at Zurich to £1,500 for 21 to 24 year old truck drivers at Q Underwriting.
• Fleet history decides access. AXA's Minifleet Choice needs previous fleet-rated cover, Zurich wants at least a year's claims experience, and Intact prefers businesses trading for 3 or more years.

Can an 18-year-old apprentice drive a company van?

Yes, if the policy, the licence and the van all line up.

1. The policy: name them on your fleet policy with an insurer that accepts their age, such as those above. If they drive their own car for work, their own policy needs at least Class 1 business use.
2. The licence: a standard car licence covers petrol and diesel vans up to 3.5 tonnes, and electric or hydrogen vans up to 4.25 tonnes since 10 June 2025. Vans from 3.5 to 7.5 tonnes need a C1 licence, which has a minimum age of 18.
3. The first two years: a new driver's licence is cancelled if they get 6 or more penalty points within 2 years of passing their test.

Why it matters

• Most trade apprentices need to drive: 67.5% of plumber and heating installer job ads, and 64.4% of electrician and mechanic ads, require a driving licence (RAC Foundation, 2024).
• There were 63,530 apprenticeship starts by under-19s between August 2025 and April 2026 (Department for Education).
• Younger drivers hold 6.3% of full licences, but 20% of people killed or seriously injured in 2025 were in collisions involving a younger driver (Department for Transport).

Who uses any driver van insurance?

Any business where several people share vans: builders, electricians, plumbers, landscapers, florists, caterers, cleaning companies and event firms. If your vans carry your own tools and materials, a standard commercial policy is usually right; see commercial van insurance.

If your vans carry other people's goods for payment, such as parcels or deliveries, you need hire and reward cover instead. See hire and reward insurance and courier insurance.

What should employers check before letting staff drive?

Any driver cover makes admin easier, but it does not remove your responsibility to check who is driving. Good practice is to:

• Check each driver's licence when they start and at regular intervals. Drivers can share a check code from the DVLA's View Driving Licence service.
• Keep a record of who drives which van and when.
• Make sure every driver meets the policy's age and conviction rules.
• Check staff using their own cars for work have business use on their own policy.

If you employ staff, you will usually also need employers' liability insurance.

What affects the cost of any driver van insurance?

The biggest factors are the age of the drivers covered, the number and type of vehicles, how they are used and your business's claims history.

• Driver age: covering drivers under 25 costs more, which is why many policies set the minimum at 21 or 25.
• Number of vehicles: a larger fleet spreads the risk, which can lower the cost per vehicle.
• Size and weight: heavier vans tend to cost more to insure than small vans.
• Class of use: carrying goods for payment (hire and reward) costs more than carrying your own tools or goods.
• Claims history: insurers look at the claims record of the business as well as individual drivers.
• Where vans are kept: vans kept in a garage or secure yard overnight are usually cheaper to insure.

How can I reduce the cost of any driver van insurance?

Compare quotes from several specialist insurers first, then look at the policy itself.

• Raise the minimum driver age if none of your staff are young drivers.
• Improve security: alarms, immobilisers, trackers and secure overnight parking.
• Consider telematics: some insurers price fleets with black box data.
• Increase your voluntary excess to an amount you can afford on every claim.
• Manage claims: driver training and clear driving rules can improve your claims record over time.

Can I get any driver van insurance for personal use?

Some insurers offer any driver cover for personal use, but it is mostly a business product. The fleet requirement of at least 2 vehicles usually still applies, so for a single private van, naming up to 4 drivers is normally the practical option.

What do I need to get a quote?

Have these details ready before you start:

• The registrations, makes and models of every vehicle
• The age range of your drivers, especially the youngest
• Any driving convictions among your drivers
• Your business's claims history, usually for the last 3 to 5 years
• What the vans are used for, and whether you carry goods for payment
• Where the vans are kept overnight

How do I compare any driver van insurance quotes?

Click the quote button to complete one short form. Quote Goat passes your details to a specialist fleet insurance partner, who comes back to you with quotes.

When you compare, check each insurer's minimum age and driver conditions before price. The cheapest policy is no good if it will not cover the people who need to drive.

Sources

Insurer criteria checked on 17 October 2026.

• QBE SME products and Mini Fleet product sheet (updated 6 October 2025)
• AXA Mini Fleet summary of cover (June 2025) and Minifleet Choice
• Aviva Minifleet driving options and policy wording (February 2026)
• Allianz Mini Fleet relaunch (December 2025) and policy overview (March 2026)
• Zurich Small Fleet factsheet (July 2026)
• Intact Mini Fleet and target market statement 2026
• Covéa motor fleet appetite
• Q Underwriting Truck Mini Fleet summary of cover
• GOV.UK driving licence categories and new drivers' penalty points
• BVRLA: new licence rules for zero-emission vans up to 4.25 tonnes and nidirect: lorry and C1 licence ages
• Driving for Better Business: grey fleet
• RAC Foundation job adverts study (February 2024)
• Department for Education apprenticeship statistics (July 2026)
• Department for Transport younger drivers factsheet 2025 (September 2026)