Compare quotes and make sure your work van is protected
Commercial van insurance covers your company work vans and personal or professional possessions, like tools. You’ll hear it called business or company van insurance too.
It can cover travel to multiple places of work, as well as the transport of goods and materials.
You can also get add-ons to enhance your cover, things like courtesy van hire and breakdown assistance. They can help minimise the impact of any accident or theft on your business.
There are three classifications under commercial van insurance, depending on what you use it for.
This is if you use your van to transport business-related goods or tools, for example, if you’re a self-employed plumber or florist.
You’ll also need this cover if you just use your van for commuting.
If you transport goods for payment this is the option for you.
It’s usually for those who transport goods to multiple destinations, like fast food or catalogue couriers.
Driving a long way to make a single delivery means you’ll need haulage cover for your van.
Different insurers have varying definitions for this cover and carriage of goods for hire and reward, so double check you’re getting the right cover for your job.
You’ll need commercial van insurance even if you only occasionally commute or your van is for business use.
For light commercial vehicles (LCVs) weighing up to 3.5 tonnes, you need commercial van insurance, but anything heavier is classed as a heavy goods vehicle (HGV) and needs a truck insurance policy.
If you use your van purely for socialising and no commuting, then you’ll need a private ‘social only’ policy.
Not sure whether you should go for private or commercial van insurance? We can help you decide.
Depending on your policy type, commercial van insurance covers:
Commercial van cover has three levels of cover, just like car and motorbike insurance: third party only (TPO), third party fire and theft (TPFT) or comprehensive.
The cost of your van insurance depends on what you use it for, what kind of van it is and what type of policy you need.
To reduce the cost of your commercial van insurance, you could improve your vehicle’s security, install internal racking to safely store equipment and use ‘how’s my driving?’ signs, to show you’re a responsible motorist.