Compare Commercial Van Insurance

You’ll need commercial van insurance if your van is used for:

• Deliveries or courier work under hire and reward
• Transporting goods or materials for clients
• Trades like plumbers, electricians, or furniture removers carrying work equipment
• Multiple drivers or employees using company vans

Commercial van insurance is suitable for:

• Sole traders
• Limited companies
• Small business fleets
• Delivery or logistics firms

If you only use your van to carry your own tools or visit clients, you may only need business van insurance. But if you transport goods for others or employ multiple drivers, you’ll need a commercial van insurance policy.

Commercial van insurance is split into a few common types depending on what you use your vans for:

If you’re not sure which category applies, think about whether you carry your own goods or deliver for customers. That usually decides which type of commercial cover you need.

Get Quotes

Insurance providers look at several factors:

• Type of van – engine size, weight, and market value.
• Business use – deliveries or haulage cost more than own-goods carriage.
• Driving record – claims, convictions, and no claims discounts.
• Drivers – age and experience of all named drivers.
• Mileage – higher mileage increases risk.
• Storage location – off-street or secure parking lowers premiums.
• Level of cover – comprehensive cover costs more than third party.

According to Thatcham Research, fitting a Category 1 alarm or tracker can reduce van theft risk by up to 60%, which may lower premiums.

Van insurance doesn’t have to break your budget. Here are practical ways to reduce your premium:

Improve van security

Install an alarm, immobiliser, or GPS tracker. Parking your van in a locked garage or gated yard overnight can also reduce theft risk.

Build your no claims discount

Safe driving pays off. A few years without a claim can save up to 60% on your annual premium.

Choose the right level of cover

Make sure your policy matches your van’s use. If you only carry your own tools, you don’t need haulage insurance.

Increase your voluntary excess

Raising your voluntary excess from £250 to £500 can lower premiums by up to 10%, according to ABI figures.

Pay annually

Paying in one go avoids monthly interest or admin fees, saving around 6–8% per year.

Compare van insurance regularly

Renewal quotes aren’t always the best. Always compare van insurance from multiple UK insurers before your renewal date to find the best deal.

Find your best commercial van insurance deal today

Get Quotes

The best way to get the right cover and price for your business is to compare quotes from several UK insurers. A side-by-side comparison helps you understand what each policy includes and which type of insurance gives you the best value for your money.

When comparing, always look beyond the price. Focus on how well each commercial van insurance policy fits your day-to-day work, where you drive, and what you carry. This makes it easier to find the right choice for your trade or company.

Here’s what to check before buying:

Levels of cover

Make sure the policy has the right level of insurance for your van and business purposes. Compare third party, fire and theft, and comprehensive van insurance. Comprehensive insurance usually gives the most protection, including damage to your own van, accidental damage, and personal injury cover.

Optional extras

Extras such as breakdown cover, tools in transit, goods in transit, or uninsured driver protection can save you from unexpected costs. Some policies also include medical expenses or uninsured losses if an accident isn’t your fault.

Policy documents

Read the small print carefully. Check your policy documents to confirm what is and isn’t covered. Look for exclusions around leisure activities, personal reasons, or driving outside the European Union.

Type of commercial van insurance

Match your policy to your line of work. The right type of commercial van insurance depends on whether you deliver parcels, visit clients, or carry your own goods. Your place of work and mileage will affect how insurers rate your risk.

Policy excess

Check your compulsory and voluntary policy excess. A higher excess can lower your premium, but make sure it’s affordable if you need to make a claim for the cost of repair or stolen equipment.

Drivers and vehicle details

Insurers will ask for the date of birth, licence type, and experience of each driver. They may also need details about the type of van, number of seats, and any modifications. These all affect the quote and level of cover.

Legal requirement

It’s a legal requirement to have valid commercial van insurance if your van is used for commercial use or business insurance purposes. Driving without it could lead to fines or disqualification.

When you’ve compared the types of van insurance available, choose the one that offers the right balance of cover and cost for your business. Always make sure you’re protected for every part of your job — from customer visits to carrying stock or tools.

Compare commercial van insurance quotes today

For more options, you can also compare van insurance to see policies for personal van insurance, business van insurance, and temporary cover across the UK.