Fleet & Motor

Van Insurance

Comprehensive cover for commercial vans used by tradespeople, delivery drivers, and businesses. Protect your vehicle, tools, and goods with a policy designed for how you actually use your van.

Request a Call-Back 01733 263311

Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Van Insurance Cover?

Van insurance provides protection tailored to commercial vehicle use. Coverage options include:

Comprehensive Cover

Full protection including accidental damage, fire, theft, and third-party claims for your van.

Third Party, Fire & Theft

Cover for damage to others plus protection if your van is stolen or damaged by fire.

Tools & Equipment Cover

Protection for tools stored in your van – essential for tradespeople. Cover while in the van and on-site.

Goods in Transit

Insurance for stock, materials, or customer goods you carry in your van.

Hire & Reward

Cover for carrying goods or passengers for payment – required for delivery and courier work.

Any Driver Cover

Flexibility for multiple drivers to use your van – ideal for businesses with staff.

Breakdown Assistance

Roadside recovery and repair to minimise downtime when your van breaks down.

Windscreen Cover

Repair or replacement without affecting your no-claims bonus.

Legal Expenses

Cover for legal costs following accidents or disputes.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Tools Protection

Cover for tools in your van – often excluded from standard policies but essential for tradespeople.

Business Use Included

Proper commercial cover for business use, not just social and commuting.

Flexible Options

Policies for owner-drivers, named drivers, or any driver to suit your business needs.

Specialist Markets

Access to insurers who understand commercial van risks and offer Market Access.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Tradespeople (electricians, plumbers, builders)
Delivery drivers and couriers
Removal and man-with-a-van services
Mobile service businesses
Landscapers and gardeners
Cleaning and maintenance companies
Event and catering businesses
Any business using commercial vans

What We'll Need for Your Quote

1
Van details (registration, make, model, GVW)
2
How the van is used (trade, delivery, etc.)
3
Value of tools/equipment carried
4
Driver details and licence information
5
Claims and convictions history
6
Where the van is kept overnight
7
Annual business mileage
8
Any modifications to the van

Get Your Quote

Frequently Asked Questions

What's the difference between van insurance and car insurance?

Van insurance is designed for commercial use and typically includes options like tools cover, goods in transit, and hire & reward that aren't available on car policies. Vans are also rated differently due to their commercial use patterns.

Are my tools covered automatically?

No, tools are usually an optional extra on van insurance. You'll need to specify the value of tools you want to cover. Some policies include a basic level (e.g., £500) with options to increase.

Do I need hire and reward cover?

If you carry goods or passengers for payment (delivery, courier, taxi work), you need hire and reward cover. Standard business use policies don't cover this – using them for paid carriage would invalidate your insurance.

Can I insure a van I don't own?

Yes, you can insure a van owned by someone else or a company. You'll need the owner's permission and may need to declare the ownership arrangement. Policies can be in your name or the company's name.

What affects van insurance premiums?

Key factors include the van's size and value, how it's used, where it's kept, driver age and experience, claims history, and security measures. Higher-risk uses like courier work typically cost more than general business use.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.