Looking for a competitive rate?
As a specialist van insurance broker, we’ll do all the hard work for you.
If you’re not planning on using your van as part of your work or business, then you need personal van insurance. You’ll often see personal van insurance being called ‘private van insurance’ or listed as cover for ‘social and domestic use’ on some insurance policies.
If you intend to use your van as part of a business or even as part of your commute, then you need commercial van insurance.
Organizing insurance for a single vehicle or a large fleet isn’t necessarily difficult but, with so many options, it can be hard to know you’ve chosen the policy that gives you the right level of cover.
UK Sure commercial vehicle insurance provides great cover for the professional tradesperson, meaning you’re able to go about your work knowing that you are fully covered.
Our commercial vehicle broker team has many years of experience and is able to offer competitive rates with our panel of insurers.
Our personal service
Because we’ve been matching commercial vehicle and fleet insurance providers and policies with owners for many years, we’re experienced enough to ensure you get the right cover.
This is really important. After all, for many businesses, their vehicle or fleet can be the second most valuable asset they own after commercial property and will be essential for turnover. For us, policies are all about protecting vehicles and drivers, as well as keeping you and your business on the move in the event of an accident.
Key features of the policies we offer include cover for:
Damage
Third-party liability
Passenger liability
Foreign use
Legal protection
Flexible claims reporting
Breakdown
Courtesy vehicles
Accident recovery
Unauthorized movement
Trailers
We arrange and tailor commercial vehicle and fleet policies for all types of businesses. This includes vehicles driven for business and private use, as well as fleets consisting of a mix of vehicle types (cars, vans, trucks, etc.).
Our focus is always on comprehensive, flexible, and cost-effective cover provided by insurers who can offer an efficient claims service. After all, keeping your vehicles and drivers safely on the road is your number one priority and therefore ours.
Features & Benefits
Cover is available for a variety of driving options including:
Insured only
Insured and spouse
Protected No Claims Bonus
Voluntary excess options offered
Introductory discounts available
In-Var Electronics, Audio & Navigation Equipment, etc (up to £750)
Insured and named drivers
Levels of Cover
Like car insurance, there are three levels of van insurance you can choose from:
Fully comprehensive: this covers you, your van, your passengers, and property, as well as any third parties involved in an accident. It also protects your van against vandalism and theft
Third-party, fire, and theft (TPF&T): this covers the cost of any damage to third-party property you cause, but also provides protection for your van against theft and damage caused by fire. It will not pay out for any other damage to your vehicle
Third-party only (TPO): this covers your liability for injury to others including any damage to third-party property only. This level of cover is the minimum legal requirement for motorists in the UK
Should you get business, private, or commercial van insurance
If you use your van for business and personal use you may be unsure which type of cover is right for you.
Most insurers only offer private van insurance if you use your van exclusively for social and domestic driving.
If you use your van professionally, for example as a builder, you will need business van insurance. You will also need this cover if you use your van for commuting to and from work, so check carefully before you buy.
BUSINESS VAN INSURANCE
Standard business insurance comes in four categories:
Business van insurance class 1: provides cover for driving between a number of different places of work or to visit clients and customers. You won’t be covered for door-to-door sales. This is typically the cheapest class of cover.
Business van insurance class 2: provides the same cover as above but also allows you to add a named driver – most policies specify this must be a colleague. Again, door-to-door sales are not usually covered.
Business van insurance class 3: provides cover for long-distance driving, which makes it the most suitable option if you make door-to-door sales. However, you will only be covered to deliver samples, so if you are delivering commercial merchandise, you will need commercial van insurance.
Commercial van insurance: you must tell your insurer the type of goods you will be carrying and for what type of business. You will only be insured for carrying the goods you have named for the purpose you have stated.
COMMERCIAL VAN INSURANCE
If you’re taking out commercial van insurance, you’ll need to choose from one of the following classifications:
Carriage of own goods: covers you if you use your van to carry business goods, for example, if you’re a builder or plumber.
Carriage of goods for hire and reward (courier cover): covers you to transport other people’s goods for payment, for example, if you are a delivery driver.
Haulage: covers you if you make long-distance deliveries, often to one destination per job.
