Business van insurance

Posted by on January 18th, 2016

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

We could leave it there but we’ll give you a bit more information about it as well.

Who needs business van insurance?

If you use your van at all for work, then you need business van insurance, and that includes commuting.

So if you use a van to drive to work, 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.

How is business van insurance different?

Business van insurance is different because it offers more cover than a private van insurance policy.

Where a private policy will either be ComprehensiveThird Party Only or Third Party Fire and Theft policies, a business van policy will offer more.

The three main forms are Carriage of own goods (which covers your belongings while you’re on the road), Carry goods for hire or reward (covers anything you are delivering) and Haulage (covers anything with fixed deliveries between you and clients).

Optional extras for business van insurance

Different insurance providers on the panel offer different optional extras but they will, in the main, add to the cost of your insurance policy.

Things like breakdown cover, legal assistance cover and contents cover are all useful extras for business van owners.

Most insurers will allow you to add these extras to your policy once you’ve got quotes with and decided which insurer and quote you want.

How to save money?

There are lots of different ways you can save money on your van insurance but usually business van policies are more expensive than personal ones.

The good news is that there are still ways to reduce the cost of your premium by doing things like racking up your No Claims Bonus (NCB), improving your van’s security and joining an approved trade association.

Read more in our guide: ‘How to get the cheapest van insurance quotes’

Is business van insurance the same as courier insurance?

There are different types of business van insurance available in the UK and they differ in the cover they provide.

The three main types of business van insurance are:

Carriage of goods for hire or reward

This cover insures the van, the driver and the goods being delivered in the event of an accident. It’s essentially courier or delivery driver insurance.


Haulage cover is insurance for the driver, the van and the items being delivered. It differs from carriage of goods for hire or reward in that it’s usually used by a driver who delivers one shipment to one site before returning to a delivery centre. The best example is a haulage truck you see on the motorway.

Carriage of own goods

This cover insures the driver, the van and the personal contents of the van in the event of an accident. It’s a common form of cover for tradesmen as it covers their tools.

Where can I get business van insurance?

You can get competitive business van insurance quotes from

And as if that wasn’t enough, also lets you compare business van insurance prices over the phone if an online form is a bridge too far for you.

Compare Van Insurance Quotes

Compare Van Insurance Quotes