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What you need to know
What is commercial van insurance?
Are there any restrictions for commercial van cover?
What does commercial van insurance cover?

Commercial (or business) van insurance is cover for vehicles used for work.

However, van insurance is defined a little more strictly than cars, where you can use a car for personal, domestic use and commuting to and from work, where as if you use your van to commute to work, you may need a business van insurance policy.

Unless your van is strictly only for personal use, you will need commercial van cover.

If you’re unsure as to what type of cover you need, you can always ask us!

This will depend on the make and model of the van, many commercial van insurance providers will cover most vans,though there is normally a weight limit of 3.5 tonnes.

Insurance providers will separate vans into different groups, based on accident statistics and repair costs, meaning larger vans with bigger engine will normally come with a higher cost to cover than smaller vans.

You may also find many insurance providers will have strict restrictions for covering drivers under 21.

A commercial van policy will have the normal insurance options of third party, fire, theft and fully comprehensive.

Fully comprehensive cover for you van will normally include cover for theft or damage to the vehicle for attempted theft of tools left in the van.

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