What types of commercial van insurance are available?
You can compare quotes with us for two types of commercial van insurance:
Carriage of own goods - Covers you if you use your van to carry business-related goods, such as the tools of your trade if you’re a builder, plumber, gardener or carpenter, for example. You’ll also be covered for social, domestic and pleasure use. This is the type of cover you need if you use your van as your main vehicle to commute to and from work.
Haulage (Carriage of goods for hire and reward) - This type of insurance covers you if you use your van to carry business-related goods belonging to a third party in return for payment, for example, you’re a delivery driver delivering goods to customers. You’ll also be covered for social, domestic and pleasure use.
Always check your policy to see whether the contents of your van are covered should you have an accident or your van is stolen – if it doesn’t, you may need to take out additional goods in transit insurance. It’s also worth checking whether the goods are covered by the business you’re delivering for.
Neither of these two types of insurance cover the carriage of passengers, so if you’re using your van as a taxi then you’ll need specific taxi insurance.