Commercial van insurance

Cover that keeps your van, your tools and your business working

Whether you carry your own tools or other people's goods, we arrange van insurance that matches how the vehicle is really used. Carriage of own goods, hire and reward and multi-van cover are all quoted through our insurer panel.

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What the cover includes

Carriage of own goods and carriage of goods for hire and reward
Tools in transit and contents cover options
Goods in transit for courier work
Public liability alongside your motor cover
Windscreen, breakdown and legal expenses add-ons
Multi-van and fleet options as you grow

Who it's for

Tradespeople carrying tools and materials
Couriers and delivery drivers
Small businesses running one or more vans
Sole traders using a van for both work and personal journeys

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Van insurance questions we're asked

Does van insurance cover the tools inside?: Not automatically. Tools cover is normally a separate section or add-on, often with an overnight security condition. We flag whether it is included on every quote.
What class of use do I need?: Carriage of own goods suits tradespeople carrying their own equipment. If you move other people's goods for payment, you need hire and reward. Getting this wrong is a common reason claims are declined.
Is van insurance more expensive than car insurance?: Often, yes, because vans carry higher value loads and cover more miles. Choosing the right class of use and security measures usually has more effect on the price than the vehicle itself.