Business Van Insurance
Specialist van insurance to keep your business on the move
- Commercial van insurance with carriage of own goods and commuting cover
- Tailor-made prices, and policies with leading UK insurers
- Free legal cover and flexible payment options
Complete Cover Group are experts at finding great value van insurance to cover a range of needs. So, whether you’re a sole trader or a limited company, a builder or florist, we can help you great cover at an affordable cost.
We work with leading UK insurers, including household names like AXA and Aviva, so you can be sure your van will be covered by a trustworthy and reputable company.
Who can be covered?
- Individuals
- Sole Traders
- Limited Companies
- Limited Liability Partnerships
- Additional named drivers, any driver, business partner or employees
We can also provide great value van insurance for:
- drivers with penalty points and convictions
- drivers with low or zero no claims discount
- drivers who’ve had cover cancelled or voided in the past
- drivers who’ve been declined cover
Do I need van insurance?
You must have at least third-party liability cover to meet your legal requirements to drive on the road. A standard van insurance policy will cover strictly personal use only (social, domestic and pleasure), so if you use your van for any kind of business use, including commuting, it’s important to get the right type of van insurance.
What type of van insurance do I need?
Company van insurance
If your van is registered in the name of your limited company, and used purely for business purposes, you’ll need to get a quote for company van insurance. This means your van insurance will be in the company’s name, too.
Business owners often need their employees to drive their vans as they go about their jobs. For this you’ll need a policy that covers either “any driver”, or more restricting but cheaper, “named drivers”.
Business van insurance
If you use your van to carry tools, materials, or goods relating to your work, you need business van insurance (also known as commercial van insurance) which provides you with carriage of own goods cover.
Business van insurance is also essential if you commute to work in your van, even if you only use it for personal or social driving the rest of the time.
Standard / private van insurance
If you drive a van for purely social, domestic and pleasure use, and not for commuting, private van insurance will probably give you enough cover.
We’ve written in more detail about the different types of van insurance in our article: Business Van Insurance vs Private Van Insurance.
Carriage of Own Goods vs Hire and Reward
There are different types of commercial van insurance, too: Carriage of Own Goods or Carriage of Goods for Hire and Reward.
Carriage of own goods
A company van insurance policy for carriage of own goods is ideal if you pick up stock from a wholesaler, or deliver your own company’s goods to a customer. It will also cover equipment in the van that’s related to your trade, for example building or plumbing tools.
Carriage of Goods for Hire and Reward
Own Goods insurance won’t cover you for delivering other people’s goods to their customers – for that, you’ll need courier van insurance, which provides you with carriage of goods for hire and reward.
Is business van insurance more expensive?
Usually, yes. Of course, lots of difference factors are taken into account when setting premiums, but the following is true of most vans that are used for business:
- They have more powerful engines than non-business vehicles, and they tend to spend more time on the road, both of which increase the risk of an accident
- They have greater storage capacity, so the value of goods being carried is higher, which makes claims more expensive.
Does business van insurance cover personal use?
Usually, yes. If you drive a company van that is used for both commercial and personal use, most business van policies will cover both.
Tips that might lower your insurance costs
- Look to buy a van in a lower insurance group
- Install security features such as an alarm or vehicle tracker
- Park your van off-road, in a secure area, or in a garage
- Increase your voluntary excess (but keep in mind this means you’ll have to pay a larger share of any expenses if you make a claim).
- Keep your business moving – get a quote for company van insurance today.
Keep your business moving – get a quote for company van insurance today.
Select Additional Products
Motor Legal Protection provides up to £100,000 for legal expenses to help you recover any financial losses that may arise from a non-fault claim, such as lawyers’ fees, expenses relating to repair costs, and recovering your excess.
You’ll also get assistance arranging a courtesy vehicle if you’re involved in an accident that wasn’t your fault.
Whether you use your car for work, the school run, family holidays or business trips abroad, we offer a range of breakdown policies to suit your budget and needs. Our breakdown cover also protects vehicles up to 20 years old!
Check the table below to see which level of cover is best for you:
| Benefits | Roadside Assistance | Motor Assistance UK Only | Motor Assistance UK & EU |
|---|---|---|---|
| Cost | £45.95 | £65.95 | £74.95 |
| Roadside Assistance – 10 Mile Limit | |||
| Misfuelling Cover | |||
| Roadside Assistance & Nationwide recover Service | |||
| Homecall | |||
| Alternative Travel or Accommodation | |||
| Message Relay | |||
| Alternative Driver | |||
| Accident Hospitalisation | |||
| European Cover |
Call us on 0800 997 8234 to add this to your cover.
Excess Recovery will refund all or part of your excess in the event of a claim for an accident, a theft or fire, or an incident where there is no third party to claim from.
Adding just £41.95 to your policy, for example, would mean a reimbursement of £350 of your excess, which in many cases could mean you lose nothing at all! See below to choose the best option for you:
| TPF&T or Comprehensive | |
|---|---|
| Excess Covered | Cost |
| £350 | £41.95 |
| £500 | £51.95 |
| £750 | £67.95 |
| £1000 | £82.95 |
| £1500 | £108.95 |
Call us on 0800 997 8234 to add this to your cover.
With most comprehensive policies providing only a limited amount of personal accident cover, and third party, fire and theft policies rarely providing any at all, Personal Accident cover is a cost effective way to ensure that you and your passengers are provided for in the event of a death or serious injury.
Key benefits include:
- Payments of up to £30,000 EACH for the policy holder, named drivers and any passengers injured.
- Payments are made whether the claim is fault or non-fault.
- Cover is provided whilst travelling in, getting into and getting out of the insured vehicle, as well as injuries suffered as a result of assault or road rage.
- Payments will be made in addition to any other payout you receive from your motor insurance policy.
Only £29.95 for the year. Call us on 0800 997 8234 to add this to your cover.
Make sure you’re not stuck if your van is off the road after an accident or theft.
Your insurance company may provide you with a courtesy vehicle if an accident wasn’t your fault, but if you have a fault claim or an accident where there is no third party to claim from, you are unlikely to be provided with a replacement van.
With Replacement Van cover you’ll be provided with a replacement vehicle for up to 21 days or money towards transportation costs, regardless of whether the claim was your fault or not
Only £44.95 for the year. Call us on 0800 997 8234 to add this to your cover.
Do you want windscreen protection without the cost of upgrading to comprehensive cover?
This stand-alone windscreen cover policy provides protection against the kind of damages that can make your van unsafe to drive or cause you to fail your MOT. The kind of loses you won’t be covered for if you’ve chosen to buy a third party only or a third party, fire and theft policy.
Windscreen Cover provides up to £500 worth of repair or replacement costs in a 12 month period.
Only £42.95 for the year. Call us on 0800 997 8234 to add this to your cover.
As a tradesman, you’ve no doubt invested heavily on a range of tools that you rely on to do your job. Having to repair or replace those tools could not only cost you in the short term, but leave you unable to work.
Tools in Transit cover offers protection for your tools if they are lost, destroyed or damaged whilst they’re being transported in your vehicle, temporarily housed in it, or being loaded onto or unloaded off it.
With levels of cover between £500 and £5,000, we have options to suit a range of tool collections:
| Tools in Transit | |
|---|---|
| Level of Cover | Cost |
| £500 | £42.50 |
| £1000 | £56.95 |
| £2,500 | £79.95 |
| £5,000 | £99.50 |
Call us on 0800 997 8234 to add this to your cover.
Protect yourself against the costs that come with losing your keys.
Key Cover includes costs incurred through loss or theft of vehicle keys, including locksmith charges, new keys, van hire costs and reprogramming immobilisers.
Only £26.95 for the year. Call us on 0800 997 8234 to add this to your cover.
Complete Van Cover
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All levels of cover for all types of vehicles
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Affordable cover for van drivers with motoring convictions
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Partnerships with leading UK insurance companies
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Great value polices and affordable payment options available
