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Do you need business or private van insurance?

Find out whether you need business or private van insurance then compare quotes from a range of insurance brands in one quick search.

Alice Morgan
Alice Morgan
Updated 2 September 2019  | 2 min read

The basics

There are two main types of van insurance - private van insurance or business van insurance.

Private van insurance is known as ‘social use only’. Unless your van is strictly for personal use, you need business van insurance (also known as commercial van insurance).

That applies even if you just use it for commuting to a single workplace.

Key points

  • You need private van insurance if you use your van for hobbies
  • You need commercial van insurance if you use it for work or commuting
  • You also need to choose cover for your work equipment or deliveries

What’s the difference between business and private van insurance?

You’ll need business van insurance if you use your van for any of the following things:

  • Work
  • Commuting
  • Transporting goods to sell

You’ll need private van insurance if you use your van for:

  • Hobbies
  • Visiting friends
  • Classic van shows

£556 The average cost of van insurance for social use only[1]

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What van insurance do I need?

If you only use your van for social, domestic and pleasure purposes, you’ll be covered with a social-only private policy.

For example, if you use your van to take your surfing gear to the beach.

You can even use it for the occasional car boot sale with a private policy - although if you’re a regular trader making an income from selling, then you’ll need commercial use.

If you’re a classic van enthusiast, you probably only use your van for your hobby, so you can take out a standard private policy or get specialist cover.

A specialist provider can tailor your policy so it's exactly what you need, including cover to get to and from shows.