Classes of use
Insurers group van use into classes. The main ones are:
- Social, domestic and pleasure — personal use only
- Commuting — personal use plus travelling to a single place of work
- Carriage of own goods — carrying your own tools and materials for your trade
- Haulage or hire and reward — carrying other people's goods for payment, such as courier work
Cover for what's inside
A standard van policy covers the vehicle, not usually the tools or stock inside it. Tools-in-van cover and goods-in-transit cover are often add-ons or separate policies, with limits on overnight storage.
What affects the price
- Class of use and annual mileage
- The van's size, value and any modifications
- Where it's parked overnight
- Your driving history and named drivers
Common questions
Can I use car insurance for a van?
Can I use car insurance for a van?
No. Vans need van insurance, which is priced and written around commercial use. A car policy won't cover a van.
Do I need business van insurance as a sole trader?
Do I need business van insurance as a sole trader?
If you use the van for work, you need a policy whose class of use covers that work. Using a van for business on a social-only policy can lead to a refused claim.
Are my tools covered?
Are my tools covered?
Usually not as standard. Look for tools-in-van cover, and check the limit and any conditions such as removing tools overnight.
Should I declare signwriting and racking?
Should I declare signwriting and racking?
Yes. Insurers count signwriting, racking and other changes as modifications. Not declaring them can affect a claim.
Important: This page is general information, not financial advice or a personal recommendation. Product features and eligibility vary by provider — check the provider's own terms before you buy or apply.