A simples guide

Commercial van insurance

There are more than 3.6 million commercial vans on British roads and if you drive one of them, chances are you’ve been called a ‘white van man’ (even if your van isn’t white). If you are a white van man or woman – as a small minority are (less than 4%) then chances are you’re probably self-employed and your van is a crucial tool of your trade. If you do work for yourself and rely on your van, do you know what insurance you need and if you have it what it covers?

 

Whether you use your van for work or pleasure, you’ll need it insured. Vehicle insurance is a legal requirement and without it, you could be in trouble. The only exception is if your vehicle is declared as off the road, in which case you should have a SORN (statutory off road notification).

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What is commercial van insurance?

If you have a van that is registered to a company (the name will appear on the V5C)  or if you need to insure a number of your business vans on one policy (e.g. fleet insurance) then you’ll need commercial van insurance.

However, if you’re looking for commercial van insurance for your fleet of business vehicles, then we’re sorry as we don’t compare commercial van insurance, but we can help you if you need private van insurance and want to find out more…

white vans

What does private van insurance cover?

Well that depends on what you use your van for and also what your provider offers. To make things easier you can pick vehicle use on our comparison journey to suit your needs:

Social, domestic and pleasure – if you only use your van at the weekends for hobbies and don’t use it to get to work, this is the cover for you.

Business Use:

Carriage of own goods – this would apply if the van carries the tools of your trade and you need them in order to carry out your work – for example if you’re are builder, plumber or carpenter.

Haulage (carriage of goods for hire and reward)

If you use your van for carrying business-related goods that belong to you, your employer or a business partner. In addition, this includes the carriage of goods for hire or reward. However this excludes the carriage of passengers for hire or reward.

In most cases, the contents of your van won’t be covered by your van insurance policy. It’s important to note that your policy will usually only cover the van itself in an insured event such as accident, fire and theft.

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So – what about my tools and equipment?

Some insurers will let you insure your tools and any equipment kept in your van with additional cover provided by a ‘goods in transit’ policy. This is usually something you can add on at a later stage.

What should I look for in private van insurance?

Providers will offer various features or packages so it comes down to what you think is best for you and your needs. Some things you might want to consider include:

  • Windscreen cover
  • Personal effects cover (such as sat navs and audio equipment in your van)
  • Wrong fuel cover – because it can happen
  • Trailer cover

What’s the average cost of private van insurance?

That’ll depend on the cover you choose from your provider, we found that the average comprehensive cover came out at £455 but you could insure your van for as little as £260. The best and easiest way to find the right private van insurance for you, is to use our van insurance comparison service so why not get cracking.

Our average and cheapest premiums are based on all our customer quotes, from people with different age ranges, addresses, driving histories and insurers. You may find a cheaper or more expensive quote based on your personal circumstances.

All average price and cheapest premium amounts based on comparethemarket.com data in March 2016

 

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