Commercial van insurance

What is commercial van insurance?

A commercial van is basically any van which is used for business reasons. These vans are typically split into two main categories:

  • Light commercial vehicles (LCV) – up to 3.5 tonnes in weight
  • Heavy commercial vehicles (HCV) – more than 3.5 tonnes in weight

In order to use these vehicles for any type of business, they need to have appropriate insurance cover, which differs significantly from van insurance for social, domestic and pleasure use only.

Who needs commercial van insurance?

If you use a van for any part of your business, it’s a legal requirement to have an appropriate level of insurance cover, as with any vehicle driven on public roads. Whether you are a plumber, an electrician, a florist, a courier or a professional dog walker, you will need to make sure that your van is insured properly so that, if the worst should happen, you’re covered financially and can get back to work as quickly as possible.

Different types of commercial van insurance quotes

The type of business you run will determine which type of commercial van quote you need to opt for. The three types of business-related van insurance are:

  • Carriage of own goods – This means your own belongings e.g. the tools of your trade
  • Carry goods for hire or reward – This is for delivery drivers who do lots of drops at many different locations. This could be anything from fast food deliveries to courier services
  • Haulage – This is for delivery drivers who drop at a few fixed destinations, usually with established clients

How do I get cheap commercial van insurance?

If you have a policy running for van insurance already then it can be tempting just to let it renew automatically but by doing so, you could be missing out on some big savings.

If you’re looking for a better deal than your current provider is offering, or are looking at business van insurance for the first time, your best bet is to use a commercial van insurance comparison site.

This approach allows you not only to compare commercial van insurance for price, but also for the features and benefits of each provider’s policy.

The Van Insurer Reviews

Customers who used The Van Insurer to compare van insurance gave the site a rating of 4.64 out of 5 from 783 reviews.

Read more reviews

“Fantastic no fuss, competitive commercial vehicle insurance. Will use again with out a doubt.”

Ian, May 2015

“I found the Van Insurer using a web search. Having completed the online form which was easy and clear, the site offered me a selection of Insurance Option for my Transit Custom Van. I selected my chosen supplier and that was the job done, insured within 20 minutes. A great site and service which I have recommended to a number of by friends with commercial vehicles.”

Simon, December 2015

Next page: The Van Insurer Cheapest Price Guarantee