What is business van insurance?
Business van insurance, otherwise known as commercial van insurance, is a type of cover designed specifically for people who use their vehicle to carry out their work, go on regular business trips in their van, or commute to and from their place of work.
Whether you’re a sole trader, an employee using a company van, or an employer wanting to cover a few drivers on multiple vans, commercial vehicle insurance should be your first port of call.
It’s designed to protect both yourself and your business in case you’re involved in an accident. Policies can also include cover for any goods you carry, tools you use for your trade, and personal possessions. You can also add more standard aspects of motor insurance policies, such as breakdown cover, misfuelling cover, keycare and more.
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Do I need commercial vehicle insurance?
Yes, just like any other vehicle, taking out insurance is a legal requirement for you to use your van on public roads in the UK.
If you use your van for business purposes, it’s important that you specifically take out a commercial van insurance policy. If you take out cover for personal use and make a claim on your insurance, but you’re found to have used your vehicle for business purposes, your cover could be invalidated.
What type of insurance do I need for a commercial van?
There are a few types of commercial vehicle insurance policies to choose from, depending on what line of work you’re in. You can choose from the following:
- Carriage of own goods: This is ideal for those who carry their own tools or goods for their business. It’s best suited to self-employed individuals, such as plumbers, carpenters and gardeners.
- Carriage of goods for hire and reward: If you transport goods for a living in exchange for payment, this type of cover is for you. It’s ideal for couriers and delivery drivers who deliver goods and parcels to customers.
- Haulage: This is similar to the carriage of goods for hire and reward in that you carry someone else’s goods in exchange for payment, but haulage more specifically refers to work where you travel over longer distances to a single destination to deliver the goods.
- Any driver van insurance: if you’re an employer with multiple employees, any driver van insurance might work better for you. You can take out cover for the carriage of your own goods, the carriage of goods for hire and reward, or for commuting on this type of policy.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Winners of the user-voted WhatVan? Insurance Company of the Year award
We’re proud winners of the WhatVan? Insurance Company of the Year award – and we’ve had the honour of winning quite a few times now, receiving the award in 2019, 2021, 2023, 2024 and 2025. The award is user voted, so you can rest assured that you’ll be joining lots of satisfied customers when you take out cover with us.
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We help keep your tools safe with Adrian Flux DNA+
We know that if you depend on your tools and equipment for work, tool theft can put a stop to your ability to earn a living. With thefts like this on the rise, we’re now offering a new product completely free to all our commercial van insurance customers: Adrian Flux DNA+.
You’ll receive warning labels and a traceable solution to put on your tools to help reduce the risk of your tools being stolen, allowing you to continue working without interruptions.
What does business van insurance cover?
Here at Adrian Flux, we offer cover that’s tailored to your needs, meaning you can pick and choose which features you want to include with your policy based on your profession and vehicle. What’s included in your policy will depend on the level of cover you take out. Commercial cover with us can typically include:
- Damage to third party vehicles and their property in the event of an accident
- Damage or loss of your vehicle as a result of fire, theft or vandalism
- Cover for up to £100,000 in legal fees if someone makes a claim against you or you want to make a claim against a third party
- Medical expenses following an accident for yourself or a third party
- Costs involved with replacing your goods, tools or van contents should they be damaged in an accident or stolen
Get a Commercial Van Insurance Quote
Extra Benefits
Flex Drive
Drive Any Car Insurance
There are many reasons you might need to drive someone else’s car, either in an emergency or as part of an agreement.
While many policies include third party cover for you to drive any vehicle, this often leaves you liable for the full cost of your own damage caused in the event of an accident.
Our Flex Drive car insurance extends your cover to include accidental damage cover on the vehicle you’re driving, just like a fully comprehensive policy. It covers claims up to £20,000 on any car you use.
That extra cover will give you the confidence to drive any vehicle, with the owner’s permission, at any time.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just 70.00 a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Goods in Transit
Goods in Transit Insurance
Goods in transit insurance is designed to cover anyone who uses their vehicle for transporting goods professionally, whether they’re documents, materials, or packages.
Whether you work as a courier, delivery driver, or in the haulage industry, having the right cover for your cargo, whatever it is, can make the world of difference, and save you money and a headache, if something bad should happen.
To find out more about how you can get insurance for transporting goods, and what’s covered, speak to our team today.
Public Liability
Public Liability Car Insurance
Protect yourself from liability costs with our public liability car insurance, available from 19.99. Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Tools
Van Tool Insurance
For just £69.00 a year, you could claim for damage, loss, or theft of tools up to £5,000 whilst they’re being driven in your van, loaded or unloaded, or stored in your van over night.
There’s no denying that the tools of your trade are vital to your business, so you need to know that if they’re lost or damaged that you can afford to replace them and get back to work as soon as possible.
With a low £100 excess for each claim, and cover for theft, loss, or damage, you can be confident that even if the worst happens, we’ll help you to get new tools and get back on the job quickly.
What level of cover should I get?
Just like most other motor insurance policies, you can choose from three levels of cover:
Third party only
This is the minimum level of insurance you can take out. It covers any damage to the other person’s vehicle, property or person.
Third party, fire and theft
This includes everything under third party only cover, but also covers the costs involved with repairing or replacing your vehicle in the event of fire or theft.
Fully comprehensive
This type of cover is the highest level of insurance available. It includes everything in third party, fire and theft, while also covering damage to your own van, regardless of who is at fault. Although many believe it’s usually the most expensive level of cover, it can often work out as the most affordable. This is because those who take out fully comp cover are typically less likely to make a claim on their insurance.
How much does business van insurance cost?
The cost of your commercial vehicle insurance can vary depending on the type and level of cover you take out, what kind of business you run, the size of your vehicle, where you keep your van overnight, as well as your own driving history.
If you’re a sole trader and need carriage of own goods cover, your insurance will likely be more affordable than someone using a cargo van to carry goods in exchange for payment.
But if you fall into the latter category, this doesn’t necessarily mean your cover will be really expensive. Any no claims bonus you build up and previous experience driving for a living will be taken into account when we calculate your quote.
If you’d like a better idea of how much your cover will be, get a quote from us.
Is business van insurance more expensive than private cover?
Commercial cover does tend to be more expensive than van insurance for personal use. This is because people using their van to make a living tend to use their vehicle more, which can increase the risk of them being involved in an accident.
On top of this, if you store expensive tools or goods in your vehicle, this can make it an attractive target for thieves.
Still not sure if we're the right insurance broker to help you? Just give us a call and we can look into your case. We're open seven days a week!
How do I get more affordable cover?
Here are some top insider tips that insurers reward:
- Call us for a quote: did you know that, in [[ FLUX_AVG_SAVING_DISCLAIMER_MONTH ]], [[ FLUX_AVG_SAVING ]] of customers who got an online quote could have saved money if they’d called us instead? Speak to our team directly to get our best quotes.
- Improve your van’s security: installing Thatcham-approved alarms and trackers can help reduce the risk of theft or recover your van if it is stolen. As insurers see you as a lower risk, this can therefore help reduce your premium.
- Install a dashcam: if you need to make a claim on your insurance, dashcam footage can help back up your case against a third party.
- Park in a secure location overnight: as most vehicle thefts happen overnight, keeping your van in a secure location can help reduce the costs of your insurance
- Pay annually: paying up front for your policy generally works out as more affordable compared to paying monthly.
- Tell us about previous experience: if you’ve got experience driving similarly sized vehicles or performing the work you’ll be using your van for, let us know, as this can reduce your premium.
- Consider a short-term policy: only use your van for a few months throughout the year? If so, temporary cover might be the more economical option. We can also cover your vehicle against fire and theft when it’s laid up or SORN.
- Take out a black box policy: if you’ve got previous conviction or you’re facing high insurance costs, you might want to consider black box van insurance to help prove you’re a safe driver. Our telematics policy can reduce your renewal premium by up to 60%.
- Let us know if your NCB has expired: did you take a break of over two years from driving? Even if your no claims bonus has expired we can usually still take it into account when getting you a quote.
- Increase your excess: if you’re facing high insurance costs, you can increase your excess. This is the amount you have to pay towards your claim before your insurer covers the rest. It’s important that if you do increase your excess, you pick an amount that you’re comfortable paying if needed.
Get a Commercial Van Insurance Quote
How does business van insurance work?
All you need to do is call us on 0800 369 8590 to get a free, no-obligation quote. If our lines aren’t open, request a callback and we’ll get back to you at the time you specify.
Once you’ve chosen your insurance policy, you can start driving the same day, or on a day of your choice.
How to get a business van insurance quote
Getting a quote from us couldn’t be simpler. We’ll just need a few details from you so we can find you a policy that best suits your needs:
Tell us about your van: we’ll need to know things like the brand and model of your van, as well as any security features on your vehicle.
Tell us about yourself: we’ll ask you for information such as your name, address, how you plan to use your van and any no claims bonus you’ve built up.
Tell us about the type of cover you’re looking for: here’s where you choose the level and type of cover you need, as well as any extras you’d like to add to your policy.
After that, we’ll work our magic to find you cover that fits.
We find the right cover for you
With over [[ FLUX_EXPERIENCE ]] years’ experience finding the right cover for our customers, we’re confident we can help you find a commercial vehicle insurance policy that’s right for your requirements and budget. We use our relationships with dozens of underwriters to help you get an affordable quote, and you can pick and choose from our range of optional extras based on the cover you need.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Why choose Adrian Flux for business van insurance?
Just some of the reasons to choose Adrian Flux for your commercial vehicle insurance cover include:
- WhatVan? Insurance Company of the Year award winners in 2019, 2021, 2023, 2024 and 2025
- Cover for all types of vans or trucks owned by self-employed individuals and companies
- Cover for the tools of your trade available
- Optional goods in transit cover
- Free legal cover included
- Public liability cover available
- Breakdown cover in the UK and Europe available
- Personal accident and road rage cover available
- Cover available for most commercial vehicles, including classics, modified and imported vans
- Optional misfuelling cover
- Keycare cover available
- Pothole cover available
- Cover in Europe included as standard for up to 90 days (this can be extended on some policies)
- Covered whilst towing a caravan, trailer or broken-down vehicle
- Optional in-vehicle entertainment and navigation equipment covered for up to £400
- Windscreen cover included on fully comprehensive policies
- Courtesy vehicle available in the event of an accident (depending on policy and availability)
Can you provide business cover for cars and other types of vehicles?
Yes, we offer business cover on cars and other vehicles if needed. We also offer company car insurance for employers and employees using vehicles for business-related activities. Just get in touch with our team for a quote.
Get a Commercial Van Insurance Quote
FAQs
Driving Rules & Eligibility
Can I drive a commercial van on my car insurance?
No, even if your car insurance allows you to drive any car, it likely won’t include the right insurance necessary to cover your van and your business. Make sure you have a specific commercial vehicle insurance policy in place before making a journey.
Can multiple people drive a company van?
Yes, we offer any driver van insurance for business use. Let us know who’ll be driving, and we can add them to the policy.
Can I use a business-insured van for pleasure?
This will depend on your policy, but many will often include limited cover for driving your business van outside of work. If you’re unsure, check your policy documents as any restrictions should be covered there.
Can you drive a van without business insurance?
If you’re only using your van for personal trips, you won’t need business van insurance. However, if you’re a sole trader, self employed or an employee of a company and you use your van for these purposes, you will need commercial vehicle insurance.
Do you need business van insurance for a day?
Yes, you can take out short-term cover for a van you use for business. It’s important that even if you’re using your vehicle for a short period, you take out the right cover for this.
Costs, Taxes & Payments
Is there VAT on business van insurance?
No, insurance policies are exempt from Value Added Tax (VAT). Instead, insurance is subject to a different kind of tax called “Insurance Premium Tax” (IPT). This is included in your quote and is not collected separately.
I’m a young driver. Will my cover be expensive?
Whilst young or inexperienced drivers often face higher premiums than most, we can still offer young driver van insurance. You have the option of taking out black box van insurance for your van, which could help you save up to 60% on your renewal premium.
Can I claim my business van insurance on my tax return?
Yes, in most cases, you can claim the cost of your van insurance back on your tax return as this expense is tax deductible. Other expenses, such as repairs and servicing, as well as breakdown cover, can also be claimed back.
Can I still get van insurance for business with bad credit?
We tend to take a different approach for those who have bad credit; after all, we know that if you’re taking out business insurance on a van, you’re trying to improve your financial situation. As a result, we can provide you with cover, though we might ask you to pay upfront for your cover instead of monthly.
How can I check if my van already has business cover?
The easiest way is to check your policy documents to see what is and isn’t included with your cover. If you’re still not sure, contact your insurance provider to find out.
Cover Options & Special Uses
Can I insure more than one commercial van?
Yes, we offer multi-van insurance, so whether you own dozens of company vans or just a few, we can help. Insuring multiple vans through us can help save you money across your policies. Plus, we can mirror the no claims bonus you’ve got on another vehicle.
Does business van insurance cover your goods?
Goods in transit cover is usually available as an optional extra and isn’t included by default. You’ll need to specify that you need this type of cover when you get a quote.
Can I get van business insurance in my company name?
This depends on the insurer; in some cases, you can cover a business van under your company name. In others, however, you’ll need to register it under the main driver’s name.
What type of insurance do I need for a van dog walking business?
You’ll need specific business van insurance if you’re using your vehicle for a dog walking business. If you’ve modified your van to suit your business, let us know when you get a quote.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
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