Van Insurance

You can usually get van insurance with a normal car insurance policy: Compare 10+ options.

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Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Finder Award
Budget Direct Comprehensive
Agreed or Market
Finder's summary: Awarded the 2021 Finder Award for Car Insurance - Value in QLD, SA, TAS, VIC, WA and Car Insurance - Features in NSW, VIC, WA, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Australia Post Comprehensive
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you.

⭐ Current offer: Get $75 off your first year’s premium when you buy online. T&Cs apply.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
Bingle Comprehensive
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics. You don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Coles Comprehensive
Agreed or Market
Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If your car is damaged, you could benefit from a one-week turnaround on repairs.

⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Coles customers and Flybuys collectors.
Virgin Comprehensive
Agreed or Market
Finder's summary: Finalists for the 2021 Finder Awards for Best Car Insurance - Value in VIC, QLD, SA, WA and TAS, Virgin Comprehensive provides a good level of cover for a decent price.

⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

Who it might be good for: People who'd like to manage their policy online 24/7.
Huddle Black Comprehensive
Agreed or Market
Finder's summary: Huddle's black comprehensive is its cover with highest limits and exclusive benefits. It includes roadside assistance. You can also get up to $2,000 for emergency travel and accommodation and up to $30 million legal liability cover.

Who it might be good for: Someone who wants a 24/7 claims processing.
Youi Comprehensive
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
Qantas Comprehensive
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value.

⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who'd like to earn Qantas Points.
Huddle Comprehensive
Agreed or Market
Finder's summary: Huddle's comprehensive policy will cover you if your vehicle is damaged or lost as a result of a collision, a natural event, a malicious act, theft or fire. It also includes up to $500 for essential repairs.

Who it might be good for: Someone who drives less than 15,000 km a year can opt for Pay As You Drive cover.
Stella Comprehensive
Finder's summary: Stella is a 2021 Finder Innovation award finalist in the Best Insurance Innovation award category. It comes with competitive pricing, rewards for being a safer driver and some unique inclusions like cover if your car is damaged as a result of domestic violence. It also offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats.

⭐ Current offer: Save 10% when you pay your premium annually. T&Cs apply.

Who it might be good for: Someone who wants a women-focused car insurance policy (it will cover men too).
ahm Comprehensive
Finder's summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums. Its Fixed Kilometre Plan can save you up to 30% compared to its standard comprehensive cover.
Who it might be good for: People who drive less than 15,000 km per year.
Poncho Comprehensive
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
PD Comprehensive
Finder's summary: PD comprehensive car insurance policy lets you buy, manage, and start your claims process online. It includes cover for emergency repairs up to $500 and free windscreen chip repair. Ability to customise your extras cover.

⭐ Current offer: New policyholders can enjoy 15% off on their first year's premium. T&Cs apply.

Who it might be good for: Those with low claims history and the only driver.
Woolworths Comprehensive
Agreed or Market
Finder's summary: Woolworths has some unique perks like a price-beat guarantee where it'll beat any current comparable comprehensive renewal notice if you're over 25. You can also get 10% off your grocery shop once a month and can add roadside assistance onto your policy for just $7.35 per month.

⭐ Current offer: Save up to 15% when you buy online. T&Cs apply.

Who it might be good for: Woolworths shoppers and those that want to take advantage of its price-beat guarantee.
Real Comprehensive
Agreed or Market
Finder's summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

⭐ Current offer: Up to 10% discount on your policy in your first year when you buy online. T&Cs apply.

Who it might be good for: Those that don't drive much can take advantage of their Pay As You Drive policy.

Compare up to 4 providers

Van insurance is generally included with a standard car insurance policy which can cover you for damage, fire, theft and more. The only time you might need more specialist cover is if you use your van exclusively for commercial purposes.

Is it mandatory to have van insurance in Australia?

Yes. Every vehicle on Australian roads must have compulsory third party (CTP) insurance, also known as your "green slip".

If you cause a crash, it will help pay for other people's injuries and sometimes your injuries depending on which state you live in, but that's where it stops. It doesn't cover your van, the other person's car or any other property you damage. That's all on you.

How can I get additional protection?

You can protect yourself even more by adding one of three optional levels of cover on top of your CTP. Depending on what level of cover you choose, the following forms of cover can essentially protect you from damage you cause and damage that you can't pinpoint on another driver.

  • Third party property damage (TPPD). This is the most basic level of optional cover and will get you out of a few additional jams by covering any damage you cause to other people's property including cars, fences, signposts, animals and any other physical property. It won't cover your van but it's a good option if your van isn't worth a whole lot or you can easily afford to replace it.
  • Third party, fire and theft (TPFT). This covers everything TPPD insurance does plus gives your van a minimal amount of cover, which in this case is protection against fire damage and theft. It won't cover you against accidents you cause or against any other type of natural disaster besides fire.
  • Comprehensive. Comprehensive lets you say "no worries, mate". It covers everything TPFT does as well as almost everything else including accidents you cause, damage from unknown or uninsured drivers and most types of natural disasters.

What does each of these levels cover?

The following table shows which events TPPD, TPFT and comprehensive insurance will cover. The events your policy covers are called insured events.

EventThird party property damageThird party fire and theftComprehensive
Damage to other people's propertyDamage to their car
Damage to their other property
Damage to your vanFire
Storm and hail
Hit and run
Uninsured driver
Hitting an animal
Hitting another car
Hitting another object
Additional featuresPersonal items cover
Roadside assistanceOptionalOptionalOptional
Flexible excess
Key and lock replacement
New for old car replacement
Excess-free windscreen cover
Hire car cover

What additional features are included in a van insurance policy?

Van insurance doesn't just end there. There are a range of features and additional options available that offer added protection. If your insurer does offer them, they might be included free of charge or they might be offered as an optional upgrade. It also depends on your level of cover.

  • Personal items. This feature will help out with the cost of repairing or replacing damaged personal items like your backpack, laptop or pram. It's usually only available on comprehensive policies.
  • Roadside assistance. This is usually an optional feature you can add to most types of policies. It means you help when your van breaks down or you get a flat tyre on the side of the road. Some comprehensive policies like Youi's will offer it for free, but this is rare.
  • Flexible excess. Some insurers let you choose your excess, which is your share of the cost every time you make a claim. Choosing a higher excess can help you save on premiums and vice versa.
  • Key and lock replacement. This pays to repair or replace your van's locks and keys if they're damaged in an insured event. It's usually included automatically but only with TPFT and comprehensive policies because those are the only policies that cover your van at all.
  • New for old car replacement. If your van is still relatively new and it gets totalled in an insured event, having this feature will get you a brand-new van with similar specs. It basically lets you insure your van at an agreed value (the going rate of a new van at the time of the crash) at the less expensive market value rate (the value of your van at the time of the crash). It's usually only available with a comprehensive policy and the van usually needs to be less than two years old.
  • Excess-free windscreen cover. If your windscreen is damaged in an insured event and it's the only part of your van that's damaged, this will let you repair your windscreen without paying anything out of pocket. It's usually only available on comprehensive policies and will usually be an optional add-on.
  • Hire car cover. This pays you for the cost of a hire car if your van is undrivable after an insured event. It's usually only available on higher forms of cover like TPFT and comprehensive. Even then, many insurers will limit this to when your van is stolen and will ask you to pay an additional premium if you want to include other insured events.

What else should I look out for?

Once you've identified the level of cover you need and the features you want, there are a few additional aspects of your cover you'll need to be familiar with when you look for insurance.

You might consider these perks, as some insurers offer them and some don't.

  • Agreed vs market value. This policy feature lets you choose between insuring your van for a specific sum of money (agreed value) or insuring it based on its depreciating value over time (market value). Most policies will limit you to market value, but having the ability to choose agreed value gives you more flexibility.
  • No claim discount protection. Some insurers that offer no claim discounts (discounts that rack up over time when you don't claim) will agree not to penalise you for certain types of claims like weather-related ones.
  • Choice of repairer. Some insurers will require you to use their favoured repairer whenever they pay to repair your van. However, others will let you choose which repairer you want. If you're picky about who works on your van, it makes sense to seek out an insurer that gives you that option. It won't be available on TPPD policies since those policies don't cover your van anyway.

Can I lower my van insurance premiums?

There are ways to save on your van insurance and still have a policy that covers what you need. Here are some tips to help you save:

  • Keep your van safe. You can often save money by fitting your van with a security system and agreeing to store it in a locked garage. Even taking driver's safety courses can help you shave some money off your premiums.
  • Insure your van at market value. Market value takes depreciation into consideration so that your premiums reflect the van's drop in value year after year. If you have a brand-new van and insure it for market value, make sure your policy offers "new for old replacement". This gives you about two years where your insurer will consider the value of your van to be that of a brand-new one.
  • Pay your premiums annually. Some insurers might offer you a discount in return for paying your premiums yearly instead of monthly.
  • Keep your eye out for discounts. There are a number of ways you can score discounts, including by paying your premiums annually, holding multiple insurance policies with the same insurer and signing up online.
  • Rethink your level of cover. Periodically review your cover to determine whether it's offering value to you and ditch options you don't need. For example, if you don't drive often and rarely leave the city, you might not need roadside assistance. If your van's getting up in age and replacing it wouldn't break the bank, you should consider downgrading to TPPD only.

What excess will I have to pay on my van insurance in Australia?

Most insurance policies come with an excess, which is your share of the damage costs every time you make a claim. There are several different types of excesses:

  • Basic excess. This is also called standard excess. It's the base level of excess for your policy and will apply to a majority of your claims. Some insurers will allow you to increase this excess and will then refer to the increase by another name such as your "voluntary excess" or "flexi excess", but it's really just a higher basic excess you've agreed to in return for lower premiums.
  • Young or inexperienced driver excess. This is an additional excess that gets tacked on top of your basic excess if a young or inexperienced driver causes the accident leading to a claim. Insurers usually define this as anyone under 25 or someone 25 years or older who has only held a licence for a short amount of time.
  • Driver history excess. Some insurers will charge an additional excess if the driver who caused the accident has had their licence suspended or restricted within a certain amount of time prior to crashing the van. This is tacked onto the top of any other excess you're responsible for.
  • Non-nominated driver excess. Most policies will make you list out every driver that will be driving the van and a handful of policies that do so will apply an additional excess if an unlisted driver causes the crash. Be careful, because if your policy doesn't have a non-nominated driver excess, there's a chance non-nominated drivers aren't covered by your policy at all.

How much should I choose for my basic excess?

Not all policies let you choose your excess but if yours does, you should choose one that balances how comfortable you feel paying your monthly premium with how comfortable you feel paying your excess on any potential future claims. That's because when one is higher, the other is lower.

If you're a relatively safe driver, you may want to go with a higher excess in exchange for lower monthly premiums. If you never claim, you'll never pay that excess and you'll be saving money on a monthly basis.

But if you're the type of person who would lose it if they were faced with a large, unexpected excess charge all at once, you may want to go with a lower excess and pay slightly more on your month-to-month premiums.

How are my van insurance premiums calculated?

There are a number of factors that go into how your insurer calculates your premiums. Here are some of the most common:

  • The kind of van you drive. The insurer will look at information like its make, model, age, engine size and safety rating. It may even look at things like how commonly these models are stolen.
  • Your driving history. If you have a clean driving history, you're likely to pay less than someone with a trail of speeding tickets or a drink driving record.
  • Your claims history. Even if your driving history is OK, you could still end up paying more if you have a long claims history. For example, if you're constantly getting your windshield repaired, your insurer might assume you constantly drive gravel roads and could therefore increase your premiums.
  • The van's other drivers. You insurer will look at the age, driving history and claims histories of other drivers listed on your policy and adjust your premiums accordingly and/or apply special excesses.
  • Where you live. If you live in a safe neighbourhood and park your van in a locked garage, you're likely to pay less than someone who doesn't.
  • How much you drive. Most insurers will ask you upfront how many kilometres you commonly drive per year and will use that information to help them calculate your premiums.
  • Your excess. You can sometimes choose from a few different excess amounts. A higher excess will help lower the cost of your van insurance premiums and a lower excess will raise the cost.

Frequently asked questions

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