Self Drive Van Hire Insurance

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What is UK self drive van hire insurance?

Self drive van fleet insurance is cover provided if you rent out vans, cars or plant to the public. This polices can provide motor insurance for a fleet of hire vehicles, which covers the driver use under a van rental contract.  Self drive van insurance is a legal requirement and provides cover if a vehicle within the van rental fleet is damaged   

Two Forms of Self Drive Insurance is Available

With the major downturn in the self drive car hire market during Covid, a new insurance model of cover evolved, termed pay as you go hire fleet insurance. This had the advantage that the rental companies only paid for insurance when their vans or cars were actually being rented out and not sitting in a rental car park gathering dust.  Some insurance providers will also provide off hire insurance, covering letting you or staff drive the vehicles without entering in to an actual car rental contract.

The original model was a simple annual self drive van hire insurance policy, this has the major drawback that you are paying for insurance for vehicles that are sitting in a rental car park. 

Self Drive Van Hire Insurance Typical Features

Different providers will offer variations of the insurance cover detailed below, and you can also request policies tailored to your actual requirements. Below

  • Motor Insurance Cover : Like standard car cover you can select third party only, third party with fire and theft or fully comprehensive.
  • Voluntary excess – A typical figure would be £500
  • Age of rental driver  – Typical range 25 to 75, some will offer cover for under 25 at a premium.
  • Vehicle age :  Typically under rental fleet under 5 years old or below an agreed mileage.
  • Rental Drivers Driving History : Typical maximum of 8 self clearance points 

How does self-drive pay as you go self drive fleet insurance work?

COVID-19 highlighted the weakness of the traditional self hire fleet insurance policy, which is based on paying an annual premium. Many self hire companies were caught with a fleet of vehicles that could not be hired out, yet they had to pay the same level of insurance as in previous years This led to the pay as you use model, which can be viewed as 3 separate elements.

  • 1) A basic premium is charged to cover the vehicle when it is off the road.
  • 2) When the vehicle is in use, a telematics device will record the mileage and your monthly cost will then be based on actual usage.
  • 3) A monthly bill will be generated with a pre agreed cap, so that you will never be charged above an agreed maximum monthly price.

What types of vehicles can a self-drive hire fleet insurance policy cover?

The most common self drive fleet will consists of cars, but van and plant hire polices are also available. Self drive van hire insurance polices are aimed at the van rental or van removal companies. Plant hire is aimed at the construction industry that rent out machinery to this industry. Campervan and motorhome rental companies will also need specialist self hire rental insurance. If you are in an equine business providing a rental service for horsebox or trailers, this type of cover will be suited to your needs. 

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