ON THE MOVE

Van insurance. Explained.

Match your van policy to the journeys, goods and work that actually keep your business moving.

Start with what you need covered.

The important starting point is how the van is used. Carrying your own tools is a different risk from delivering goods for other people. Describe all regular activities to the insurer or broker and ask them to confirm the correct use in writing. Vehicle cover and protection for the items inside it should be checked separately.

Compare the key questions ↗Read the buying guide ↗

UNDERSTAND THE OPTIONS

Different arrangements. Different details.

Private use

A starting point to discuss for a van used personally rather than for work.

Own goods and business use

Discuss journeys carrying your business’s own equipment or goods.

Courier or haulage use

Tell the insurer when you carry other people’s goods for payment.

BEFORE YOU CHOOSE

Four conversations worth having.

Carriage

What goods are carried, for whom and for what payment?

Tools and stock

Are contents included, separately insured or excluded, especially overnight?

Vehicle changes

Have racking, conversions, signwriting and other modifications been disclosed?

Downtime

Would any replacement van be suitable for the work and available for long enough?

Compare an actual offer

These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.

Sources & further reading

Checked 26 September 2026. Policy terms and source ratings can change.

ABI: commercial motor insurance ↗

See how cover connects.

All insurance ↗