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Any Driver Van Insurance: FAQs & Key Insights
Yes. Because the insurer can’t predict exactly who will drive the vehicle, premiums are usually higher than for a named driver policy. The cost reflects the broader risk profile.
In practice, insurers and brokers place conditions to manage risk:
- Age limits – common tiers include Any Driver 25+ or Any Driver 30+.
- Licence requirements – often a full UK licence held for 2+ years.
- Claims & convictions – drivers with recent claims or convictions may not qualify unless named individually.
- Occupation risk – some high-risk uses (e.g. courier, haulage) may be excluded.
Yes. Many policies allow you to:
- List experienced drivers with clean records as named drivers.
- Combine that with an Any Driver extension for broader flexibility. This approach can sometimes lower the premium, since the insurer recognises the reduced risk from the named drivers.
| Feature | Any driver policy | Named driver policy |
|---|---|---|
| Flexibility | High – anyone meeting criteria can drive | Low – only listed drivers |
| Cost | Higher premiums overall | Lower premiums |
| Eligibility | Limited by age/licence/claims restrictions | Specific to listed drivers |
| Admin | Simple – no need to update for staff changes | Must add/remove drivers regularly |
| Best for | Fleets, rotating staff, families sharing vans | Single drivers, stable user groups |
- Restrict cover to 25+ or 30+ age bands.
- Provide driving history for main users.
- Add named experienced drivers with clean records alongside the Any Driver cover.
- Install tracking or telematics devices.
- Lower annual mileage caps.
It’s most useful if:
- You run a fleet with rotating staff.
- Your vans are shared among multiple employees.
- You want to reduce admin time from constantly adding/removing drivers.
For companies with stable staff or single drivers, a named driver policy may be more cost-effective.
All van insurance in the UK must comply with FCA rules and the Road Traffic Act 1988. Any driver policies must still meet the legal minimum of Third Party cover. Always check specific eligibility rules before purchase.
Any Driver Van Insurance offers flexibility for businesses and families, but premiums are higher unless restrictions are applied. Age limits (25+ or 30+), licence experience, and combining named drivers with an Any Driver option can help balance cost and flexibility.
