Compare business van
insurance quotes

from the UK’s leading insurance providers

Business van insurance, also known as commercial van insurance, is a must-have for anyone who uses their van for work.

We search over 50 leading insurance brands to help you find the right cover.

Jump to section

  • Van insurance FAQs
  • Useful links
  • Customer reviews

Jump to section

  • Van insurance FAQs
  • Useful links
  • Customer reviews

Why compare business van insurance?

By comparing quotes through, you could find the best business van insurance deal for you and your business. We compare quotes from the UK’s leading van insurance providers to make sure you find a policy that suits your needs, leaving you to get on with all the other things on your to-do list.

Not sure which type of cover you need?

There are different types of business van insurance and the one you need is determined by how you use your van at work.

  • Carriage of own goods – If you are a builder, for example, who carries their tools and materials between jobs you need carriage of own goods business insurance.
  • Carriage of goods for hire or reward – If you’re a delivery driver then you will need courier insurance. It insures you to use your van to make deliveries.
  • Haulage – If you’re a delivery driver who has one item to deliver, usually over long distances (think truckers), then you will need haulage insurance.

Does commercial van insurance cover the contents?

Not all commercial van insurance policies cover all of the contents you are transporting, it all depends on what you are carrying and your individual insurance policy.

When you are getting a commercial van insurance policy you should always confirm with your insurer whether or not the goods you carry are insured.

Choose the right type of commercial van insurance to make sure you’re driving legally with the right type of protection. Tailor your policy with a choice of add-ons, these could save the day for tradespeople – including:

  • Contents insurance – your valuable tools are in safe hands when they are protected by goods-in-transit insurance should disaster strike. Van thefts may be rising in the UK, but you’ll be able to park up, lock the doors and take on any job with full peace of mind.
  • Trailer cover – you might want to consider getting cover for theft or vandalism
  • A courtesy van package – to make sure nothing stops you in your tracks

Whether you are a part-time delivery driver or drive your haulage vehicle through the night, let search our panel of leading insurers for the right cover at the right price.

Take a look at our FAQs below to find out more, or run some quotes using our easy online form, to compare policy deals.

At we pride ourselves on being experts in van insurance comparison, our panel of insurers can help you compare:

If you want to make sure you are getting the right kind of cover for your business needs, then comparing quotes over the phone is ideal – it’s sometimes easier to explain your circumstances to a real person. Call the expert team on t:0330 022 8387 today!

Business van insurance advice and FAQs

What is business van insurance?

Business van insurance covers you and your van when using it for work-related purposes, including commuting.

Van insurance isn’t like car insurance where you can choose the option of social + commuting, so if you use your van to travel to work, then you need to be covered by a business insurance policy.

When taking out your policy, you’ll need to choose the classification that best covers your needs:

  • Carriage of own goods: this covers your van for carrying tools and materials between jobs you need carriage of own goods business insurance. If you want to insure your tools or any equipment that you carry in your van, you’ll need to look at goods-in-transit cover.
  • Carriage of goods for hire or reward: this cover insures you to use your van to make deliveries ie courier insurance.

Goods-in-transit cover can sometimes be included in courier insurance policies, but is essential that you check what’s covered with your insurer.

Additional extras such as courtesy vehicle hire, breakdown recovery and tool hire can help keep your business going if your vehicle is stolen or damaged.

Do I need business insurance for my van?

If you use your van for business purposes, including commuting, then you need business van insurance. If you only use your van for social purposes such as visiting friends or going to the shops, you will need private van cover.

For example, if you’re a gardener who drives to and from jobs in a van, or if you’re a children’s entertainer and use a van to transport helium canisters, you need business van insurance.

A minibus policy is different from a standard van policy, read more about comparing insurance for minibuses here.

Read mustard’s handy guide to van insurance >

How does business van insurance work?

Similarly to standard car and van insurance, there are three levels of business van insurance cover; third party only, third party fire and theft and fully comprehensive.

  • Third party only is the lowest level of cover and will cover any damage your van causes to any vehicle, person or property. It will not cover you for any injuries you sustain yourself or for any damage or theft to your van.
  • Third party fire and theft provides the same level of protection as third party only, and also covers you for any damage or loss as a result of fire or theft.
  • Comprehensive is the highest level of cover and offers the same protection as third party fire and theft, as well as cover for damage to you or your vehicle, even if you are at fault.

The way you use your van is very important when it comes to getting the right level of insurance cover, so be sure to read mustard’s handy guide to van insurance terms >

How much is business van insurance?

As with all insurance policies, the cost of business van insurance depends on your individual circumstances, for example your age, driving history, what you use the van for, what kind of van it is and what type of policy you need.

If you are researching the best van for your needs, take a look at the manufacturer specifications online, to compare the optional extras, trim levels and security ratings, against the insurance group the van falls into.

For the ‘ins and outs’ of van insurance groups, check out mustard’s guide >

The best way to find out how much business van insurance will be for you is to compare quotes – with our quick and easy service we can do this for you in just a matter of minutes.

Compare business van insurance now >

How can I make my business van insurance cheaper?

Business van policies do tend to be more expensive than personal ones, however the good news is there are still ways to reduce the cost of your premium:

…are all little ways in which you can help bring down the cost of your business van insurance.

Read more in our guide to Comparing Cheap Van Insurance >

Can I check if a van has business insurance?

The easiest way to check if a vehicle has valid insurance is to check their details on the Motor Insurance Database (MID). You will need the registration number of the van to complete a search.

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