Irrespective of how you buy a van it is down to you to insure it. Because you bank with Lloyds doesn't mean you have to get a loan through them, you could get a loan through someone else and set up the direct debit at Lloyds, Sainsburys do loans from 2.8%, also pay back any loan in the shortest time possible as this way you pay less interest so in effect you are paying less for the van.