What is sole trader van insurance?

Different to a private van insurance policy, which only covers you for personal use of your van, a sole trader van insurance policy insures you to use your van for business.

So whether you're an electrician, gardener, mobile beautician or dog groomer, you can drive to and from jobs with the confidence that you will have the right insurance in the unfortunate event of an accident.

Who needs sole trader van insurance?

As you might expect, if you work as a sole trader and use your van for any part of your business, then you need sole-trader van insurance.

You can buy additional extras with your van insurance, which may be a good idea depending on the nature of your business.

For example, if you're a builder then it's highly unlikely that you would be able to work without your tools, so it may be worth purchasing tools cover as an optional extra.

Different types of sole trader van insurance

There are three main types of van insurance available to sole traders and which one you need will depend on your type of business.

Most sole traders will fall under the 'carriage of own goods' bracket which means that you use your van for transporting your own equipment to and from jobs, like a plumber.

Other less common types of van insurance for sole traders are 'haulage' (for delivery drivers how travel long distances with few or one stops) and 'carriage of goods for hire or reward' (delivery drivers who make multiple short trips, like a courier).

How do I get cheap sole trader van insurance?

As with any insurance, it's more important that you get the right cover than it is to focus purely on price, which could work out more expensive in the long run.

But there are of course some good practices you can follow to make sure you're getting the best deal for you.

If you have more than one van it may be worth looking at a multi-van policy as insurers will often offer discounts for insuring multiple vans with them.

It can be tempting to let your existing sole trader van insurance policy auto-renew in order to save yourself the hassle of sorting new insurance but this can often be costly.

Shopping around means you can compare different prices and find the best policy for you just by filling in a simple form that takes five minutes.