Van insurance that matches how you actually use the van
Social runs, the daily commute, a van full of tools, or parcels for payment: each one needs a different policy, and getting it wrong can void a claim. Tell us how you use yours once, and we'll place it properly with our panel of UK insurers.
- Comprehensive, TPFT and third-party only
- Personal, commercial and hire & reward use arranged
- Up to £5m third-party property damage cover
- Specialist vans and fleets welcome
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Van cover at a glance
What you get
- Comprehensive, third-party fire & theft, or third-party only
- Personal (social and domestic) and commercial use
- Up to £5m cover for third-party property damage
- Windscreen cover included
- Foreign use and EU cover available
- No claims discount protection available
- Public liability and employers' liability within a single package
What's not covered
- Courier or hire and reward work without a separate declaration
- Using the van outside the purpose declared on the policy
- Drivers without a valid UK or EU licence
- Wear and tear or mechanical breakdown
- Driving under the influence of alcohol or drugs
Deliver parcels or goods for payment? That's hire and reward; standard commercial van cover won't protect you. We arrange courier insurance for exactly that.
Personal, commercial or hire and reward: which do you need?
If the van is purely for private life (the tip run, the weekend away, moving furniture for family) you need personal van insurance. Insurers sometimes call it private van insurance, or list it as social and domestic use. The moment work enters the picture, even just commuting to a job, you need commercial van insurance instead.
There's a third tier that catches people out: if you carry parcels or goods for payment, you need hire and reward cover. A standard commercial policy will not pay out on a delivery claim. It's one of the most common gaps we see, and it's fixed with one honest conversation about how the van earns its keep.
Our commercial vehicle team has been arranging this cover for years. Explain how you use the van once and we'll match it against our panel of insurers: properly declared, properly covered.
Specialist vans and mobile businesses
A van that's been fitted out for a trade isn't a standard risk, and generic policies don't always fit. We arrange cover for catering vans, refrigerated vans, ice cream vans, coffee vans, pet groomers' vans, window cleaners' vans and more, each through insurers who understand that kind of vehicle.
For many businesses, the van or fleet is the second most valuable asset after the premises. Our focus is cover that's comprehensive, flexible and cost-effective, placed with insurers who run an efficient claims service, because a van off the road is a business off the road.
Running more than one van?
From two vehicles upwards, a fleet policy usually makes more sense than separate renewals. One policy, one renewal date, one point of contact, and often a lower overall cost than insuring each van individually. Mixed fleets are fine too: cars, vans and trucks can sit on a single policy.
- Fleet policies available from 2 vehicles
- Public liability and employers' liability can be packaged in
- Foreign use and EU cover available for vans that cross the Channel
- No claims discount protection keeps your discount intact after a fault claim
From enquiry to insured in three steps
Tell us what you need
Fill in the two-minute form with the cover you're after and when to call you, or ring us directly on 01323 416706.
We search our panel
Our brokers match your details against a panel of UK insurers and call you back at your chosen time with the options and prices.
Covered the same day
Happy with a quote? We arrange the policy there and then, and email your documents the same day.
Questions drivers actually ask
Straight answers from the team that arranges this cover every day. Anything else? Call 01323 416706 and a human will pick up.
See all FAQsWhat's the difference between personal and commercial van insurance?
Personal van insurance covers social and domestic use only: private life, not work. Commercial van insurance covers business use, including commuting, deliveries and carrying tools or goods. If the van does anything work-related, you need commercial cover. Declare it honestly: the wrong use class is a common reason claims get refused.
Do I need hire and reward insurance for courier work?
Yes. If you deliver parcels or goods for payment, standard commercial van insurance will not cover you; you need hire and reward insurance, also known as courier insurance. Call 01323 416706 and we'll arrange the right policy for the work you do.
What levels of van cover can I choose from?
Three. Third-party only is the legal minimum and covers damage you cause to others. Third-party fire and theft adds cover if your van is stolen or fire-damaged. Comprehensive covers all of that plus accidental damage to your own vehicle. We'll quote the levels that make sense for your van and budget.
Do you cover specialist vans?
Yes: catering vans, refrigerated vans, ice cream vans, coffee vans, pet groomers' vans, window cleaners' vans and more. Tell us what you drive and what it's fitted with, and we'll place it with an insurer who understands that kind of vehicle.
Can I insure several vans on one policy?
Yes. Fleet policies cover 2 or more vehicles with one renewal date and one point of contact, and often work out cheaper than individual policies. Mixed fleets (cars, vans and trucks together) can sit on a single policy too.
How quickly can I get a van insurance quote?
Request a quote online and we'll call you back within 30 minutes during opening hours. Cover can start the same day. Or call 01323 416706 for an immediate quote.
Get the van insured properly
Two minutes on the form, a callback within 30 minutes during opening hours, and cover that matches how the van really works.