Business Van Insurance
- Expert UK telephone support
- 24/7 instant AI web assistant
- Comprehensive, third party only or third party fire and theft cover
- Named driver and any driver options available
- Optional 24/7 tools cover
Your van is a key part of how you get the job done. Whether you're carrying tools to site, transporting materials or travelling between customers, our business van insurance gives you cover options for the way you use your van.
We cover commercial vehicles weighing up to 3.5 tonnes, with business, commercial or personal use available in Great Britain.
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Business van insurance explained
Business van insurance is for vans used as part of your work. That could mean travelling to customer jobs, carrying tools and equipment or transporting materials for your business.
If you're using a van for work, the type of use needs to match the cover you have in place.
We can cover vans used for business, commercial or personal purposes in Great Britain.
Your van can be insured for use by:
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You as the main driver
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Named drivers
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Your spouse
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Business partners
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Employees
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Any driver, where this option is selected
The right driver arrangement will depend on how your business uses the van.
Why you need business van insurance
A van can be a big part of your working day. If you're travelling between jobs, carrying equipment or getting materials to site, you need van cover that reflects how you use it.
Business van insurance can provide cover for your van while it's being used for work, subject to the terms and conditions of your policy.
It can be relevant if you:
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Travel between customer jobs
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Carry tools or equipment
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Transport materials for your business
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Use your van for business and personal journeys
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Have employees or other drivers using the vehicle
Third party motor insurance is the legal minimum required to drive on UK roads. You can also choose third party fire and theft or comprehensive cover for a wider level of protection.
Comprehensive van insurance
Comprehensive cover is the broadest of our three cover options.
It includes third party cover and can also cover damage to your own van, subject to the policy terms and conditions. Windscreen cover is also included in this policy,
Third party, fire and theft
This cover provides third party protection and also covers your van against fire and theft, subject to the terms and conditions of your policy.
It does not provide cover for accidental damage to your own van.
Third party only
Third party only provides the minimum level of motor insurance required by law.
It covers your legal liability for injury to other people or damage to their property or vehicles, subject to your policy terms and conditions.
It does not cover damage to your own van.
Business van insurance or fleet insurance?
Not sure whether you need business van insurance or fleet insurance? The number of vehicles you operate is a useful starting point.
One business van
Our business van insurance is designed for individual commercial vehicles used for work.
It can suit sole traders, partnerships and companies that have a single van for their business.
2 or more vans
If your business operates 2 or more vans, our fleet & mini-fleet insurance may be a better option.
Fleet cover lets you manage multiple vehicles under one policy, with options available for named driver and any-driver cover.
Who do we cover?
Our business van insurance is suitable for:
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Sole traders
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Partnerships
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Limited companies
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Limited liability partnerships
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Employees and business partners using insured vehicles
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Businesses using commercial vehicles up to 3.5 tonnes
We cover business, commercial or personal use in Great Britain.
Your business van insurance cover options
Choose from three levels of cover depending on how you use your van and the level of protection you want.
Comprehensive
✔ Third party liability cover
✔ Cover for your van, subject to the policy terms and conditions
✔ Windscreen cover included
✔ Optional 24/7 tools cover
✔ Protected No Claim Discount available for a fee
Third party, fire and theft
✔ Third party liability cover
✔ Fire cover
✔ Theft cover
✔ Optional 24/7 tools cover
Third party only
✔ Third party liability cover
✔ Optional 24/7 tools cover
Temporary business van insurance
Sometimes you only need a van for a short period, which is why we offer short-term van insurance through our insurance partner Zixty Insurance. Temporary van insurance can provide cover from 1 hour to 28 days, so you’re only protected as long as you need to be.
It may be useful if you:
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Need to borrow a van while yours is unavailable
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Want to let someone else drive your van for a short period
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Need temporary cover while changing vehicles
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Need a van for a particular job or short-term requirement
Short-term van insurance is separate from your annual business van insurance.
If you're looking for temporary cover rather than an annual policy, you can find out more in our guide to short-term van insurance for tradespeople.
Protecting your van can be about more than just the vehicle itself. Your tools and equipment are just as important to keeping your business moving.
With our business van insurance, you can choose to add cover for your tools and equipment. Protection is 24/7, UK-wide, and applies to work equipment locked inside your van.
If you want wider protection for your tools and equipment, our standalone tools insurance can provide cover up to £15,000, depending on the policy you choose.
Over a quarter of van drivers report having tools stolen from their vehicles, so it’s never a bad time to start protecting your equipment.
How much does commercial van insurance cost?
There's no single price for commercial van insurance. Your premium depends on the nature of your business and the cover you choose.
Factors that may affect the cost include:
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The type of van you drive
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How you use the van
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Who drives it
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Your chosen level of cover
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Your No Claim Discount
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Your business circumstances
You can choose from comprehensive, third party fire and theft or third party only cover. Your No Claims Discount can be protected for a fee, subject to your policy terms and conditions.
Public liability insurance
Public liability insurance can provide protection if your business causes accidental injury or damage to third-party property while you're working.
Fleet & mini-fleet insurance
If your business has 2 or more vans, fleet & mini-fleet insurance may be a more suitable option than insuring each vehicle individually.
Tools insurance
If you carry tools for work, standalone tools insurance can provide cover for insured tools and equipment up to £15,000, Protection is 24/7 and applies across the UK when equipment is stolen from a locked vehicle or premises.
Get your business van insurance quote today
Whether you're a sole trader with one van or a limited company with a commercial vehicle for work, we offer business van insurance for the way you use your vehicle.
Choose from comprehensive, third party fire and theft or third party only cover, with options for additional drivers and 24/7 tools cover.
✔ Underwritten by Zurich Insurance Company Ltd.
✔ Business, commercial or personal use in Great Britain & Northern Ireland
✔ Commercial vehicles up to 3.5 tonnes
✔ Comprehensive, third party fire and theft or third party only cover
✔ Named driver and any driver options available
✔ Optional 24/7 tools cover
✔ Protected No Claim Discount available for a fee
✔ Save 10% with B&Q TradePoint
✔ Expert UK telephone support
✔ 24/7 live AI web assistant