Third party, fire and theft or comprehensive protection, subject to policy terms.
Business van cover
Van Insurance That Reflects How You Work
Whether one van supports your trade or a growing group serves customers nationwide, the right cover starts with the vehicle, drivers, journeys and equipment carried.
Business use matters
Tell the insurer exactly what the van does
“Business use” can mean carrying your own tools to jobs, delivering your own products, moving stock between locations or transporting goods for customers. These uses are not interchangeable, and an incorrect description can create problems at claim stage.
What to consider
Protection around the van and the work
Portable tools and equipment may need dedicated cover, including overnight restrictions.
Stock or customers’ goods carried in the van may require separate protection.
Consider whether a suitable replacement would be available after an insured loss.
Declare racking, specialist equipment, refrigeration and other modifications.
Public and employers’ liability may be needed alongside the motor policy.
Security
Van theft is also a business continuity risk
Loss of a vehicle can remove tools, stock and the ability to reach customers. Insurer requirements may include alarms, immobilisers, approved tracking, key control and secure overnight parking.
Practical controls
- Remove keys from unattended premises
- Record tool serial numbers
- Use visible and hidden security
- Avoid leaving valuable tools overnight
- Keep signwriting and conversions updated
CoverPilot launch
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