Van insurance companies classify vehicles into groups. You have probably heard of the 20 group rating scheme that car insurance is subject to, and van insurance is really no different.
Insurers rate each van with a number, usually between 1 and 20, with regard to how much of a risk they believe it is. If your van is in a higher group then it is considered quite risky so will be more expensive to insure, whereas owners of lower group vans will enjoy cheap van insurance.
The groups are chosen after examining the historical accident rate with that type of van, as well as the likely cost of repairing it following an accident. Usually, the larger and heavier the van, the more it is thought to be harder to drive and expensive to repair, so van insurance quotes will likely be higher for a large van.
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