A simples guide

Commercial van insurance

If you rely on your van for work, you’ll want to take out commercial van insurance to help ensure your business runs smoothly should you have an accident or your van is stolen.

Do I need commercial van insurance?

It depends on what you use your van for. If you use your van for work in any capacity, including travelling to and from more than one location for business, then you’ll need commercial van insurance (or van insurance for business use). But if you only use your van at weekends, for general day-to-day appointments and visiting family and friends, then you need social, domestic and pleasure cover. 

white vans

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.

What level of van insurance should I choose? 

As with car insurance, there are three levels of van insurance. It’s worth considering how you use your van to pick the right level of cover for you.

Third party only The minimum legal requirement. Third party covers you for any injuries or damage you cause to other people and their vehicles, but it won’t cover repairs to your own van, any personal medical expenses or theft from your van.

Third party fire and theft Offers the same level of protection as above, but third party fire and theft also covers you if your van is stolen or damaged by fire.

Comprehensive Includes all the benefits of a third party fire and theft policy, but comprehensive will also protect you as a driver and will pay out for damage to your van.  

signing for package

Are my tools and equipment covered by van insurance?

Van insurance doesn’t usually cover as standard any tools and equipment stolen from your van or damaged in your van during an accident. But most providers will let you insure them either as an add-on to your existing insurance or under a separate policy. Just be aware that some policies don’t cover your tools if you leave them in your van overnight. You’ll find more information in our guide 'Does my van insurance cover tools?'

What should I look for in commercial van insurance?

Depending on what’s important to you as a van driver, you might want to consider the following types of cover:

  • Windscreen cover While some insurance providers include windscreen cover as standard, others may only offer it as an optional extra (at an additional cost).
  • Misfuel cover Filling your van up with the wrong type of fuel can cost your hundreds of pounds, as you’ll have to pay for your van to be drained and the contaminated fuel will need to be properly disposed of. And not forgetting that you’ll need to refill your fuel tank! Misfuel cover is typically available as an optional add-on to van insurance and could help to cover the costs of misfuelling
  • Trailer cover Offers cover for loss or damage to a trailer.
  • Breakdown cover If you rely on your van for work, breaking down on the way to a job could cost you financially through lost business. Breakdown cover could help you get to the job in hand.
  • Courtesy van This might prove invaluable if your van is out of action.

What’s the average cost of van insurance?

It depends on the level of cover you choose – we found that 50% of people could achieve a premium of £584.30** but you could insure your van for as little as £242.90***. The easiest way to find the right commercial van insurance for you at a price you can afford is to use our van insurance comparison service.

 
**50% of people could achieve a quote of £584.30 for their van insurance based on comparethemarket.com data in August 2017.

***10% of people could achieve a quote of £242.90 for their Van insurance based on comparethemarket.com data in August 2017.

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