Simply Business homepage
  • Business insurance

    • Business Insurance FAQs

    Business insurance covers

  • Support
  • Claims
  • Sign In
Call Us0333 0146 683
Chat With UsChat support 24/7

Business van insurance

Get tailored quotes in 7 minutes

Start your quote
  • Get access to a 24 hour claims helpline and a UK-wide repair network
  • Opt to protect your no claims discount and add in RAC breakdown cover
  • Choose from two levels of cover depending on your needs

Business_van_insurance.png

Commercial van insurance

Are you getting the best deal for your business van insurance? By law, all vans on the road in the UK need van insurance, but that doesn’t mean one size fits all. See if our van insurance is right for you – and make sure you're protected should the worst happen.

We offer van insurance if you use your van for any work reasons, such as helping to run your business or getting to and from job sites. If you only drive your van for social reasons (including commuting to a single place of work), we can’t provide cover.

Build your quote with help from our experts

What kinds of van insurance can I choose from?

When you buy van insurance from us, you'll get to pick between third-party fire and theft cover and comprehensive van insurance.

Third party fire and theft cover

  • fire damage to your van and any other vehicle that's been affected
  • theft of your van
  • accidental damage to your van

Comprehensive van cover

  • fire damage to your van and any other vehicle that's been affected
  • theft of your van
  • accidental damage to your van

What's included in a commercial van insurance policy?

If you opt for comprehensive van insurance, you'll get:

  • Personal accident insurance included** — up to £2,500 of cover if you or your partner suffer an accidental injury* in your van
  • Windscreen and glass cover — covers the cost of replacing or repairing your van's windscreen, or windows due to chips and cracks (glass replacements are subject to an excess but won’t impact your no claims discount)
  • Personal item protection** — up to £100 of cover if your personal items are lost, stolen, or damaged

*if the injury is the cause of a loss of limb, or permanent loss of sight in one or both eyes

**not offered by Prestige Underwriting Services Ltd

What extras can I choose to add to my van insurance policy?

RAC breakdown cover

Protect your no claims discount

The RAC fix 4 out of 5 breakdowns at the roadside, and they're usually with you in less than an hour*

Make no more than two claims in a five year period and your discount won't be affected**

*in 2022 59.4% of breakdowns were attended in an hour or less

**the overall price of your policy isn't protected. The price of your policy could still go up when you come to renew, even if the accident was not your fault

Already have van insurance?

It's important to make sure you're protected should the worst happen with your van.

Sign up below, and we'll send you a reminder when it's time to buy van insurance.

You may also receive a call from one of our insurance experts, who can help you get the cover that's right for you.

Business van insurance policy documents

Find all the information you need about your business van insurance policy, including product information, policy wording, and your Terms of Business Agreement.

Van insurance FAQs

  • Commercial van insurance is a specific type of policy, and it's different to the one you’ll have for your own car. It’s designed to cover the van you use for business.

  • This will depend on a few different factors, including your:

    • van type (bigger vans may pay more, for example)
    • business activities
    • additional drivers (if you have any)
    • claims history
    • mileage and journey estimates
    • storage (where you park your van overnight)
    • security features

    When you buy your commercial van cover from Simply Business, we'll take all of these into account when pulling together your quote – so make sure you have all of the details to hand.

  • By law, you need to insure any vehicle unless you’ve registered and declared it ‘off-road’. Standard cover (the type you have for your own car, for example) might not be enough if your van is being used for work.

    If you’re using your van for business but you're not covered correctly with specific commercial van insurance, you won’t be protected if you’re in an accident, or your van is stolen.

  • In most cases, commercial vehicles (including vans) are used for business purposes only. This can determine your van’s tax status, as well as your insurance and MOT responsibilities.

    However, the regulations are complicated. It’s more about how your van is constructed than what you use it for, which will determine its status.

  • The easiest way to think about this is by looking at the type of vehicle you have, and what it’s built for. If it’s not a goods vehicle, or it’s been built as a private vehicle, such as a car, then it’s probably not a commercial vehicle.

    Another key consideration is what your van carries. If it’s primarily built to transport the driver, one or two passengers and your goods and tools, you probably have a commercial vehicle. On the other hand, if it’s primarily designed to carry people, it might be classified as a car or minibus instead.

Helpful articles for business van insurance

Ultra low emission zone sign in a city

20 June 2023 • 8-minute read

London ULEZ expansion – ultimate guide for small businesses

Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.

Subscribe to our newsletter
Business van insurance

Insurance

Public liability insuranceBusiness insuranceProfessional indemnity insuranceEmployers’ liability insuranceLandlord insuranceTradesman insuranceSelf-employed insuranceRestaurant insuranceVan insuranceInsurers

About

About usOur teamAwardsPress releasesPartners & affiliatesOur charitable workModern Slavery ActSection 172 statementSocial mediaSite map

Customer support

Contact & supportPolicy renewalMake a claimProof of policyComplaintsAccessibility

Address

6th Floor99 Gresham StreetLondonEC2V 7NG

Northampton 900900 Pavilion DriveNorthamptonNN4 7RG

Careers

Careers at Simply BusinessTech careersCurrent opportunities

Benefits

BenefitsRefer a friend

Legal

Terms & conditionsPrivacy policyCookie policyVuln Disclosure policy

Knowledge

Knowledge centreOpinionsMicrosites

© Copyright 2024 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.