There are three levels of van insurance – third party, third party fire and theft and fully comprehensive.
Third Party Only – Legally, as a minimum requirement, you must have third party cover that insures you against claims made by other people for damage to their vehicle, themselves or their property caused by your van. It does not cover you for any injury to yourself or damage to your van. Therefore, this tends to be the cheapest level of cover.
Third Party, Fire and Theft – In addition to what is covered under third party cover, third party, fire and theft provides cover for damage to your van due to fire or theft. This is usually the next most expensive level of van insurance.
Fully Comprehensive – In addition to what is covered under the previously two mentioned levels of cover, fully comprehensive insurance will cover you for damage to your own van even if you are responsible for an accident. This tends to be the most expensive level of van insurance.