Let’s start the new year off with some van insurance premiums data, from Consumer Intelligence. It’s also worth watching for changes in the law on EV vans; weight limits, tacho rules, MoT etc later in 2026.
Quoted van insurance premiums fell 8.9% in the year to the end of November, with Q4 deflation accelerating to 3.0% in the past three months, according to the latest Consumer Intelligence Van Insurance Price Index. The sustained market decline reflects intensifying competitive dynamics as insurers manage claims experience and market positioning.
The three months to the end of November saw quoted premiums drop 3.0% as competitive pricing pressure mounted and insurers across both direct and intermediary channels adjusted their rates. All age groups and use cases experienced deflation, signalling broad-based market correction rather than segment-specific dynamics.
Drivers using vans for work (Carriage of Own Goods) and those using for personal-use (SDP) saw similar decreases in premiums (-8.9% and 8.7%, respectively). Work-use vans saw 8.9% annual falls, with personal-use vans (SDP) following at 8.7%. Under-25s experienced the steepest deflation at 9.5%, closely followed by 25-49 year-olds at 9.3%.
Consumer Intelligence’s data shows that in November, the quoted premium for a new van insurance policy was most commonly between £500-£749 (19.7% of quotes) or £750-£999 (18.5%), reflecting a stable market structure despite recent volatility.
“The deflationary trend has accelerated through Q4 2025, with premiums down significantly from earlier in the year. Market competition is intensifying as insurers adjust portfolios and manage claims costs. Consumer accessibility has improved materially, with over half of van drivers now able to source quotes below £750 – a meaningful improvement from a year ago,” says Laura Vas, Senior Insight Analyst at Consumer Intelligence.
“That is most noticeable among drivers aged 25-49 and younger drivers, where competitive offerings have proliferated. Leading intermediary insurer groups have maintained aggressive pricing strategies while direct insurers continue to compete vigorously in core segments,” adds Vas.
Age Differences in the Past Year
Quoted premiums have dropped the most for those aged under 25, falling by 9.5% in the year to end November. Ages 25-49 saw quoted premiums drop 9.3% during the 12 months while the over-50s experienced 6.8% falls in quoted premiums.
Nearly 55% of those aged 25 to 49 were able to source a quote for less than £750 in November compared with 43% a year earlier. Meanwhile, 43% of under-25s were able to source a quote for less than £1,500 compared with 40% a year ago, while 40% of over-50s sourced quotes below £500 compared with 39% in November last year.
Long-Term View
Since Consumer Intelligence started tracking quoted van insurance premiums in April 2014, average overall quoted van insurance premiums have increased by 179.0%.
Quoted premiums for the under-25s have increased the least at 78.8% since the launch of the index compared with increases of 200.3% for those aged 25 to 49 and 195.4% for the over-50s.
Type of Cover
Drivers using their vans for work (Carriage of Own Goods) saw the biggest falls in quoted premiums with a drop of 8.9% in the year to end November. Drivers using their vehicles for Social, Domestic, and Pleasure purposes saw quoted premiums drop by 8.7% in the past 12 months.
Since Consumer Intelligence began collecting data, quoted premiums for Social, Domestic, and Pleasure purposes have risen by 239.2%. Owners using vans for Carriage of Own Goods have seen premiums increase by 155.9%.
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