Every region in the UK is risk assessed by insurance companies, so even if you are a careful van driver you may pay more on your premiums because of where you live.
All vans are classified into an insurance group. The higher the number category your van is in the more you will pay for insurance.
A fully comprehensive insurance policy will cover any personal injuries to third parties including your passengers.
We have a list of various providers of motor insurance who will supply you with quotes that won't cost the earth.