Ford Transit
Van Insurance

Ford Transit insurance provides tailored cover for the UK’s most popular van. Whether you drive a Transit Custom, Connect, Courier or a full panel van, insurers treat these vehicles differently from standard cars or small vans. Because the Transit is widely used by tradespeople and couriers, premiums can be influenced by high usage, load risks, and theft trends.

• Popularity with businesses: heavy use for trade and delivery work means higher annual mileage and increased risk exposure.
• High theft rates: the Ford Transit is consistently one of the most stolen vans in the UK, especially Customs, which raises premiums if not fitted with security upgrades.
• Repair costs: parts availability and labour for Transits can be expensive, increasing claim values.
• Model variation: a smaller Transit Connect is usually in a lower insurance group than a large Transit Custom or panel van.

• Tradespeople: builders, electricians, plumbers and contractors using their Transit daily.
• Delivery drivers and couriers: requiring carriage of own goods or hire and reward cover.
• Private users: individuals who drive Transits for hobbies, camping, or family transport.
• Mixed users: drivers who use their van for both business and personal purposes.

• Tool and equipment cover
• Windscreen and glass repair
• UK & European breakdown cover
• Public liability protection
• Courtesy van provision
• No-claims protection

• Third Party Only – minimum legal cover, protects others but not your van.
• Third Party, Fire and Theft (TPFT) – adds fire and theft cover for your Transit.
• Comprehensive – includes accidental damage to your van as well as third-party protection. Comprehensive can sometimes be more cost-effective than TPFT for Transit drivers.

• Fit Thatcham-approved alarms, immobilisers or trackers — many insurers offer discounts.
• Park your van in a locked garage, yard or secure compound overnight.
• Choose a model in a lower insurance group if possible.
• Keep mileage realistic and avoid under-declaring usage.
• Build your no-claims bonus and avoid non-fault claims where possible.

• “All Transits are priced the same.” False — Connects, Customs and panel vans all fall into different insurance groups.
• “Tool cover is standard.” Tools, goods and equipment usually require an add-on.
• “Comprehensive is always more expensive.” For Transits, Comprehensive is often cheaper than TPFT because it attracts more cautious drivers.

• Engine size and payload: Smaller models such as the Transit Connect or Courier usually fall into lower insurance groups due to lighter payloads and smaller engines. Larger panel vans and Customs with high-torque diesel engines may be rated higher, as they are designed for heavier loads and longer-distance use.
• Body style: High-roof or long-wheelbase variants may attract higher premiums because they are more likely to be used commercially and carry heavier payloads.
• Theft risk: The Transit Custom is one of the UK’s most stolen vans, often targeted for tools in the load area. Insurers frequently recommend deadlocks, reinforced door locks, or GPS tracking to mitigate this.
• Repair costs: Ford parts are widely available, which may help keep repair costs lower than for some imported vans, but labour costs for large damage claims can still be high.
• Technology: Newer Transit models come with advanced driver assistance systems (ADAS) such as lane-keeping and parking sensors. While these can reduce accident risk, the cost of repairing or recalibrating technology after a collision can push claim costs higher.

Often yes. Transits are widely used for trade and courier work, have higher theft rates, and are associated with higher mileage, which can push up premiums.

Generally, smaller models like the Transit Connect or Courier fall into lower insurance groups than a Transit Custom or full panel van.

Not automatically. You’ll usually need a tools or goods in transit add-on for protection.

Yes, but you must disclose mixed use so the insurer can price the policy correctly.