What is Business Van Insurance?
Business van insurance, also known as commercial van insurance, is a type of vehicle cover specifically designed for vans used for work or business purposes. Whether you’re a sole trader, builder, or run a fleet of vans, this insurance provides essential protection beyond what standard van insurance offers.
Unlike regular van insurance, business van insurance covers you while transporting tools, goods, or making deliveries, ensuring you’re protected on the road while running your business.
Why Is Business Van Insurance Important?
If you use your van for anything other than social or domestic use, standard van insurance won’t cover you. Driving without proper insurance can result in fines, points on your licence, or even having your van seized.
Business van insurance is crucial because it:
- Keeps you legal whilst driving on the roads.
- Covers theft or damage of tools, stock, or equipment.
- Protects your income if your van is off the road after an accident.
- Safeguards your business from third-party claims or legal costs.
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
Types of Vans and Business Use Covered
We help compare business van insurance for a wide range of vans and commercial vehicles used across various industries, including:
- Courier vans
- Construction vans
- Tradespeople vans (electricians, plumbers, builders)
- Mobile services (dog grooming, catering, etc.)
- Delivery drivers
- Fleet and multi-van operators
- Sole traders and self-employed
Whether you’re driving a small panel van, Luton van, refrigerated van, or crew cab, there’s a policy that suits your business needs.
Additional Commercial Van Cover Options
What’s Not Covered?
Business van insurance does not cover everything. Common exclusions include:
- Personal belongings not related to business
- Wear and tear or mechanical breakdowns
- Unlicensed or uninsured drivers
- Use outside the agreed business purpose
- Driving under the influence
Always read your policy documents to understand what is and isn’t covered.
Are There Any Exclusions?
Yes. Some exclusions to be aware of:
- Using the van for racing or rallying
- Carrying hazardous materials (unless declared)
- Driving without the appropriate licence
- Modifications not declared to the insurer
Failing to disclose key information could invalidate your policy.
How Much Does Business Van Insurance Cost?
The cost of your business van insurance depends on various factors:
- Driver’s age and experience
- Type and value of the van
- Level of cover (Third Party, Third Party Fire & Theft, Comprehensive)
- Usage (e.g. courier, haulage, construction)
- Security features (alarms, trackers)
- Claims history
Average costs start from around £500 per year, but can vary significantly. The best way to find an affordable deal is to compare business van insurance quotes.
How to Compare Business Van Insurance Quotes
Save money and find the best policy for your needs by:
- Knowing your usage: Courier? Tradesperson? Sole trader?
- Choosing the right level of cover: Comprehensive is usually best.
- Adding only the extras you need: Don’t overpay for unnecessary add-ons.
- Shopping around: Use comparison tools or speak with brokers.
- Checking the excess: Lower premiums often mean higher excess.
Use a trusted comparison site or speak to an expert broker to compare quotes from leading UK insurers and get the right cover fast.
