# What is van insurance excess?

> Quick answer · Last updated 5 July 2026

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## In short

Your contribution per claim — compulsory plus any voluntary excess you choose. Higher voluntary excess cuts premium but raises claim cost.

Young driver excess additions are common.

Windscreen and theft may have separate excesses.

Compare total cost at excess levels you can afford.

See van insurance guide.

## Related

- [Van insurance guide](https://moneyguide.org.uk/insurance/van-insurance-explained/)
- [Compare car insurance](https://moneyguide.org.uk/cars-motoring/compare-car-insurance-guide/)

## Primary source

abi.org.uk/motor

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.