Business Van Insurance
Need help finding a business van policy? Speak to a member of our specialist team today and find out more about how we can support your business operation.
Why choose Howden for Business Van Insurance?
Howden is the new name for A-Plan. As a broker which specialises in business and motor insurance, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing various business van insurance policies, on your behalf, simple, easy and straightforward. What’s not to like?
Here at Howden, our team recognises that each commercial van policy needs to be as individual as its owner and their business operation, and that’s why we provide a bespoke, personalised service, focused on getting to know you and learning more about exactly what you want from your cover.
Ultimately, whether you need to make a claim, purchase a new van policy, or renew an existing one, just know that we’re here to help.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
What is Business Van Insurance?
Business van insurance in the UK is a type of insurance specifically designed for individuals or businesses that use vans for commercial purposes. This insurance provides coverage for vehicles that are used for work-related activities rather than personal use.
Whether you’re a window cleaner, run a delivery business or have just picked up a part-time job that requires a van, a business van policy offers exactly what you need to ensure you’re properly covered.
We recommend that you compare various different comprehensive van insurance policies so that you can find the most suitable and cost-effective coverage for your business needs. That’s where we can help. Our expertise in commercial and company vehicle insurance and our relationships with specialist insurers proves helpful to our clients looking for the best possible business van insurance options.
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More information about Business Van Insurance
Business insurance for a van – what’s covered?
Having a business van insurance policy is essential for companies that rely on vans for their operations. Whether your business involves deliveries, transporting goods, or providing services on the go, having the right insurance coverage is crucial, not only so you’re covered in case something goes wrong, but also so you’re not left financially up against it when the unexpected happens too.
Much like standard motor insurance policies, there are three levels of business van insurance cover that our insurers offer – comprehensive, third party, fire and theft, and third party only. Depending on your business and what you feel would provide adequate cover will determine which of these levels of cover you’ll choose.
With comprehensive cover, you can expect to be protected in the event of accidents, thefts, fires, acts of vandalism, and more, as well as have the following types of cover included or available to be added on to your policy:
Public liability
This protects your business against claims for injury or property damage caused to third parties as a result of your van's activities.
Employer’s liability
If you have employees driving your vans, this coverage is a legal requirement and covers claims by employees for work-related injuries or illnesses.
Motor Legal expenses cover
This optional add-on can provide financial support for legal costs in case of disputes or legal actions involving your business van operations.
Goods in transit cover
Coverage for any items being transported, safeguarding against damage, loss, or theft during delivery.
Breakdown cover
Some policies may offer optional breakdown cover, which provides roadside assistance and vehicle recovery services for your van.
Courtesy van
This van cover provides a temporary replacement van when the insured van is undergoing repairs or maintenance.
Personal belongings cover
This provides protection for items that belong to you or your employees and are stored in the business van. This form of theft cover typically extends to personal possessions such as tools, equipment, clothing, and other items used for work purposes.
Take a look at courier van insurance too if you're a delivery driver looking to make sure the items you're responsible for are covered.
European cover
This provides coverage for the insured van while it is being used in European countries other than the UK.
Medical expenses
Coverage for medical costs associated with injuries sustained by the driver and passengers of the insured van in the event of an accident. This may help cover expenses such as hospital bills, medical treatments, and related costs resulting from bodily injuries.
As one of the largest van insurance brokers in the UK, we work with a carefully selected panel of top business van insurers, and this enables us to help you find a policy with the right cover and a great claims service.
So, what are you waiting for? Get in touch with us today and we can do our utmost to make sure you walk away from us with a business van insurance quote that puts you at ease.
Do I need business van insurance?
Much like ordinary car insurance, you can’t put a price on making sure you’re properly covered. Whichever reason you need your van for your business, it pays to get your hands on a comprehensive van insurance policy that you can count on in the event of something unfortunate happening.
As well as that, having a standard insurance policy in place is a legal requirement if you plan on driving your van on UK roads. However, a standard van policy will not cover you if you use your van for business, so that’s why it’s important that you get a business van insurance policy to provide adequate, comprehensive cover.
How much is business van insurance?
It’s hard to estimate exactly how much your business van insurance would cost before we’ve received any details from you. The information you provide us can help our insurance providers calculate premiums and pass on quotes based on your individual circumstances.
The cost of commercial van insurance can also vary based on several factors, and it's not universally more expensive than standard van insurance. The premium for commercial van insurance is influenced by factors such as the nature of the business, how the van is used, the level of coverage required, the driver's history, and the specific insurance provider.
The best way to find out exactly how much your business van insurance will cost is by getting in touch with us. We can help you get your hands on quotes that not only match your budgetary expectations, but also don’t force you to compromise on cover.
How to insure your van for your business?
Business van drivers are rightly concerned with keeping their running costs down. However, this can mean they fall into the trap of making a comparison only based on price. As a result, many commercial van owners end up with a policy that is not tailored to their needs and, when push comes to shove, that won’t provide adequate cover.
At Howden, we do the comparison work for you. We will discuss your needs with you to find the best business van insurance policy, allowing you to keep the costs of running your business down in the long term, saving you money without compromising on cover.
All that we ask from you is that you provide us with a few details about you and what you're looking for from a policy:
- The driver's details
- The driver's driving history
- The type of cover you're after (minimum cover or mo extensive cover?)
- How much policy excess you'd like
Get in touch today and talk to our expert advisors to get a quote for the right business van insurance, at the right price.
Van Insurance-related articles you could also read:
- Your guide to multi van insurance
- The ultimate guide to van insurance
- Your guide to public liability insurance for gardeners
- 20 ways to reduce your van insurance premiums
- Your van’s essential vitamins this winter!
- The UK’s most stolen work van!
- Van Insurance Groups Explained [Full Guide]
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Business Van Insurance FAQs
Is commercial van insurance more expensive?
Yes, commercial van insurance is generally a more expensive policy compared to a standard van insurance policy.
The reason for this is because of the different risks that come with using having a van for personal use or business use. Operating a business can be associated with increased risks and higher levels of responsibility, leading many providers to feel that they need to raise their premiums to compensate.
There are ways you can make your business van insurance premiums more affordable, including:
- Improving your van’s security
- Keeping your van in a secure location
- Paying yearly rather than monthly
- Agreeing on an excess
Is there VAT on business van insurance?
No, VAT is not added to either commercial and personal policy premiums. Instead, you might encounter Insurance Premium Tax (IPT) as the applicable tax, which is typically integrated into your quoted breakdown or calculation.
More Resources
Articles about running a small business
Read any of the articles below to learn more about going self-employed, or starting and running your own small business:
Day-to-day running your business
- Running a business from home: Council rules in the UK
- Is your business ‘outstanding’?
- Turn business challenges into triumphs
- How does diversity help your business grow?
- Minimum wage rise - good or bad news for small businesses?
- What is the UK tax return deadline?
- New legislation impacting your business
- What is Employment Allowance UK?
- VAT return: all the information you need
- 21 of the smartest van storage ideas
- Do I need business insurance?
Starting your own business
- Business insurance brokers: what are they and how can they help?
- How to trade mark a name in the UK
- What’s on the HMRC starter checklist?
- Small Business Grants to Be Aware of in the UK
- How to Register a Name for a Business in the UK
- What to know about your business tax account (HMRC)
- Types of Business Insurance You Should Know About
- What business insurance do I need?
- How to Invoice as a Sole Trader: Your Step-by-Step Guide
- Sole Trader Advantages & Disadvantages
- What is a sole trader in the UK?
- How to register for VAT in the UK
Self-employed professionals
Latest guides on business terminology, documents and formulas
There are so many business documents, formulas and terminology that need to be considered when operating a business. Here are some guides on key aspects of business:
Business calculations & formulas
- Margin of safety: formula, and more
- How to Calculate Turnover for Your Company
- Gearing ratio: what to know for your business
- How to calculate VAT: A complete guide
- Working capital: formula, plus more
- Cost of sales formula: how to calculate CoS
- Cost of goods sold: formula and more
- How to value a business: step-by-step guide
Business jargon
- CapEx vs OpEx: What’s the difference?
- What is the domestic reverse charge?
- Per diem: meaning, examples, and more
- What is Turnover in Business? A Complete Guide
- What to Know About Return on Capital Employed (ROCE)
- What is PAYE? All the info you need
- What is Employment Allowance UK?
- Markup vs margin: what’s the difference?
- How much is a damp proof course?
- What is a holding company?
- What is Capital Expenditure in Business?
- What is a PO number?
- What is operating profit?
- Salary advance: key info for employers
- What is equity in business?
- Non-current assets: your guide to the key info
- What is a breach of confidentiality?
Business documents
Guides about business liability insurance
Making sure your business is covered with the right liability insurance is crucial – whether it be public liability, employers liability, professional indemnity insurance, or something more specific.
Read up on how different types of liability insurance work by reading any of the articles below:
- Public liability insurance for events: what you need to know
- Public liability insurance for self-employed people: your essential guide
- Your guide to public liability insurance for hairdressers
- Your guide to public liability insurance for gardeners
- Your guide to public liability insurance for roofers
- Is public liability insurance compulsory?
- The Difference Between Employee & Public Liability Insurance
- What is Public Liability Insurance? (Full Guide)
- All you need to know about public and product liability insurance
- What’s the average employers’ liability insurance cost?
- How Much is Public Liability Insurance?
- Public Liability Insurance Certificate: All You Need to Know
- Why now is the time to take out Public Liability
- What is Employers’ Liability Insurance?
- What is Professional Indemnity Insurance? Your Complete Guide
- What is Errors and Omissions Insurance?
Other guides about specific small businesses
Interested to learn more about specific small businesses and professions? Find out more in any of latest business guides below:
- Insurance for takeaway businesses
- How to Start a Cleaning Business: 7 Steps to Take
- Run a vaping shop? Make sure your business is protected
- Built to last: insurance essentials for joinery businesses
- How to Become a Carpenter in the UK
- Mitigating flood risk for printing businesses
- Accounts payable: what you need to know
- Holiday home insurance in Spain: your essential guide
- Holiday home insurance in Ireland: your essential guide
- Holiday home insurance in France: your essential guide
- Minicab fleet insurance: a complete guide for private hire operators
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