Van insurance: which use do you need?
Van insurance depends on how you use the van. Personal use, carrying your own tools and goods, and carrying other people’s goods for payment are different classes of use, and the wrong one can mean a claim is refused.
Carriage of own goods
For tradespeople carrying their own tools and materials.
Haulage and courier
Carrying other people’s goods for payment needs haulage or courier cover.
Tools and goods
Van insurance often does not cover what is inside. Ask about tools and goods in transit.
Named drivers
Tell your insurer about everyone who drives the van.
- Class of use
- Drivers and their history
- Where the van is kept overnight
- Van value and modifications
- Driving licences for all drivers
- No-claims details
- How the van is used
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Van InsuranceCover for vans used for work, from single vans to small businesses.Commercial Vehicle InsuranceCover for vehicles your business depends on, from vans to specialist vehicles.Goods in Transit InsuranceCovers the goods you carry or send if they are lost, stolen or damaged on the way.Tools InsuranceCovers the tools you rely on against theft and damage, including from your van.
More guides: Insurance for builders and tradespeople
General guidance only. Cover depends on policy terms, conditions and exclusions.
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