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Van drivers in the UK like to pick Aviva because it gives good and flexible commercial van insurance. If you drive a cargo van, minivan, pickup truck, or use several commercial vehicles, there are insurance products for you. The insurance is for both personal use and business purposes. No matter what you need, you can find an option for your commercial van.

From people who work alone to those who run a small business, Aviva is here to help a lot of companies. They do this by giving auto insurance that is made just for what you need.

Let’s see what makes Aviva stand out as a reliable commercial auto insurer. Find out how it compares to other insurance companies in the UK that give commercial auto insurance.

What Types of Van Insurance Does Aviva Offer?

Aviva has van insurance that you can use for your own needs or for business purposes. The coverage can be used for many kinds of vans and cars.

  • Commercial van insurance is for people who drive a van for work, like delivery drivers, people who do repairs, and companies in logistics.
  • Business van insurance is for companies that need to use the van each day while working.
  • Personal van insurance is for people who drive the van for things that are not part of their job.

Policies are available for:

  • Cargo vans
  • Pickup trucks
  • Minivans
  • Commercial trucks
  • Specialist commercial vehicles

Aviva's insurance products are made to be flexible. If you work as an independent contractor, or if you have a fleet of cargo vans, you can change your policy to fit what you need. This helps you get the right coverage for your own business.

What Does Aviva’s Business Vehicle Insurance Really Cover?

Aviva has two main types of insurance for business vehicles.

  • Comprehensive insurance
  • Third party, fire and theft

Each level comes with its own risks. There are also exclusions about what is covered. You can choose to add extra options if you want.

What’s Covered With Comprehensive Insurance

Feature Details
Van damage Fire, theft, attempted theft, vandalism, and accident repairs
Repair guarantee Lifetime workmanship guarantee when using Aviva-approved repairers
Up to £500 tool cover Covers tools stored in the van (must show forced entry for theft claims)
Passenger cover Colleagues are covered when riding with you for business purposes
Courtesy van options Temporary van provided if yours is written off, damaged, or stolen
Van recovery Towing/removal if your van is no longer drivable due to covered damage
Straightforward claims process Online claims 24/7, with full UK-based support

Note: Parts are guaranteed under the manufacturer’s warranty. Wear and tear is not covered.

What’s Covered With Third Party, Fire and Theft

This reduced level of cover includes:

  • If you hurt other people or break their things
  • If your van is hurt by fire
  • If someone takes your van or tries to take it
  • If your van needs to be taken away after fire or someone takes it

However, you won’t be covered for:

  • Windscreen repairs
  • Medical expenses
  • Replacement locks if you lose your keys
  • Personal belongings in the van
  • Replacement tools
  • A new van if you need a replacement
What’s Covered With Comprehensive Insurance

What’s Not Covered (Exclusions)

Like most commercial van insurance plans, Aviva will not pay for these things:

  • If you use the car for something that is not listed in your policy, such as personal use when the policy is there only for business, it will not be covered.
  • It will not cover any drivers who are not named or are not listed on your policy.
  • The policy does not cover tyres that get damaged by braking or if they get a puncture.
  • A car losing value after repair work, because of normal loss in value, will not be covered.
  • A theft is not covered if there is no sign of someone breaking in with tools.
  • If you drive in places that are not covered, like in Canada or some countries outside the EU, unless you have said this will happen, you will not be covered.

Optional Add-Ons for Aviva Van Insurance

You can change your business policy when you choose from these extras:

Optional Extra What It Does
Foreign use cover Only with comprehensive cover. Covers business use abroad (except Northern Ireland)
Protected no claim discount Keeps your discount intact after your first claim during the policy term
Motor legal protection Up to £100,000 legal costs to recover losses when you're not at fault
Breakdown cover Roadside assistance, recovery, and onward travel (excludes Northern Ireland)
Courtesy vehicle cover Extended use of courtesy vehicle beyond repairs (limitations apply)

Can You Use an Aviva Policy for Both Business and Personal Use?

Yes. Aviva lets you use the van for two things on some plans. You can use the van for:

  • You can use it for business purposes. Some people use it to make deliveries or to go meet clients.
  • You can also use it for personal use. It helps when you go shopping or when you need to move furniture.

You need to tell Aviva both ways you use the van when you apply. Say the type of van you drive and how many years of experience you have. Also, tell them how you use the van each day. These things help to set the policy cost. By doing this, Aviva can give you enough coverage that fits the real risk.

If you do not mention both uses when you apply, there could be exclusions. This means if you have an accident when using the van for something else, your claim may not be paid.

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Which Types of Businesses Can Use Aviva Van Insurance?

Aviva works with many different areas. Here are some examples of businesses that often get their van insurance:

  • Tradespeople, electricians, plumbers, and builders use a delivery van to move the tools and supplies they need. A delivery van helps them get to the job and have what they need for work.
  • Delivery van drivers working for ecommerce or retail use a van every day to bring orders out to the customers. A delivery van lets people get what they order, right on time.
  • Caterers and mobile food vans are on the road a lot. A delivery van helps them bring food and gear from one place to the other.
  • Event companies take gear to different events. A delivery van lets them move speakers, lights, and other things with ease.
  • Independent contractors will get more jobs if they have a delivery van. A van lets them go to many locations and gives them more freedom.
  • A cleaning or maintenance team may need several vans for their people. A delivery van helps teams get to jobs fast, bring what they need, and get the work done right.
  • A small business owner who works nearby or travels across the country can use a delivery van. A delivery van helps these small businesses get to their customers, drop off items, or help things run smooth every day.

It does not matter if you have one van or a fleet of cargo vans. Aviva has choices that work for you. These choices can also grow with you when your business gets bigger.

How Are Claims Handled With Aviva?

Aviva has a phone line for claims that is open at all times. You can also use their special online system for this. Here is what happens next:

  • You report the accident: You can do this online or you can call by phone.
  • Claims team investigates: They find out who is at fault. They also look at all the papers you give them.
  • Repairs are arranged: You can use the Aviva repair network. Or you can pick your own repair shop.

If you get hurt, your medical expenses and PIP will be paid. If your business policy has it, you may also get money if you lose earnings.

They offer fast towing for your car. If you need it, they can help you get a van for a short time.

How Does Aviva Deal With Exclusions and Limitations

How Does Aviva Deal With Exclusions and Limitations?

It is important to understand exclusions. You will not be covered for the things listed below:

  • Driving if you do not have a valid licence
  • Using a van meant for personal use for business purposes without letting them know
  • Making changes to the vehicle that are not approved
  • Misusing a commercial vehicle or putting too much load in it
  • Using your van in Canada or going outside the approved zones

Aviva tells you about the limits in the policy wording. You should read it carefully to know what is there and what is not. If you want to know more about the policy, you can go to the help page before you buy it.

Can You Get Combined Home and Van Insurance With Aviva?

Yes. Aviva lets you put your auto insurance and home insurance together. You can get extra savings when you do this.

Benefits of bundling:

  • All your policies have the same renewal date.
  • Sometimes, you and others share the excess.
  • If you have more than one product, you can get discounts.
  • It is easier to see and track your claims with all your policies in one place.

This is useful for people who run a small business from home. It is good when you need insurance for your stock, any equipment, and your van.

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How Much Does Aviva Van Insurance Cost?

Aviva does not show fixed prices on its website. This is because the quotes will be based on:

  • The type of van you have, like a cargo van, minivan, or pickup
  • If the van will be for your personal use or for business
  • Your postcode
  • Your driving record and if you have made any claims in the past
  • How many years of experience you have
  • Any extras you want to add

Most people pay from £500 to £1,200 each year. A business van insurance plan will cost more than one for personal use. This is because the risk is higher when you use it for business.

What Affects the Cost of Your Premium?

Several factors go into calculating your quote:

Factor Effect on Cost
Type of use Business use usually costs more than personal use
Van size and value Larger vans or high-value cargo increase the cost
Driver profile Age, driving record, and years of experience matter
Claims history Fault claims raise the premium
Business type Delivery vans face more risk than occasional-use vehicles
Fleet size Larger fleets may qualify for bulk cover options
Optional extras Adding PIP, towing, and windscreen cover increases premium

How Can Small Businesses Get the Most From Aviva?

If you have a small business, you might want to look at these tips.

  • Review your needs regularly: Take time to think about if there is any change to your business purposes. Look at what you have now and see if it is still right for you.
  • Bundle policies: Try to bring your auto insurance together with your commercial property insurance. You will probably get a better price this way.
  • Use fleet cover: If you look after two or more vans, you can insure them together. This will help you save money.
  • Choose only necessary extras: Take only what you really need. If you get more than you need, it will just cost you more.
  • Use an independent broker if unsure: A broker can see what different insurers offer and help you find one that works well for you.
How Can Small Businesses Get the Most From Aviva

Can Aviva Insure Delivery Vans and Pickup Trucks?

Yes. Aviva has insurance for all the popular van models, including:

  • Ford Transit Connect
  • Vauxhall Vivaro
  • Citroën Berlingo
  • Toyota Proace
  • Renault Kangoo
  • Nissan Navara and pickup trucks
  • Most delivery van types

Make sure your quote tells what you do each day. For example, if you drop things off a lot, carry gear, or visit job sites sometimes, be sure to add that in.

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What Makes Aviva a Competitive Commercial Auto Insurer?

Feature Aviva Typical Competitor
Claims line open 24/7 Yes Sometimes limited hours
Covers both personal & business use Yes Some offer only one type
Medical expense cover Included up to £100 Optional or excluded
Breakdown & towing Optional add-on Often not available
Policy management online Full dashboard + app Often phone only
Supports independent contractors Yes May require full company
Covers fleets Yes Varies

FAQs About Aviva Van Insurance

Yes, you need to say both at the start. If you do not do this, your claim might not get accepted.

Yes, this is there as an add-on and you can use it for roadside help. You also can use it for garage towing.

Yes, you must have a full and valid UK licence to drive with the policy.

Yes, you can get it, but this will depend on what is there right now and the type of cover you have.

Yes, Aviva gives insurance for all big van types. That means minivans and small cargo vans are also included. You can get cover for these vans with Aviva. It is good to know they have options for all these. So, if you have a van, you can look into Aviva for this.

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Page last updated on: 28/07/2025

Page reviewed by: Tim Bailey

4000+ reviews