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Driving a van in the UK without appropriate cover is illegal and leaves you liable for any damage caused to property or people. Specialist van insurers are able to design a cover to meet your exact specifications, so whether your van is used for business purposes or domestic reasons there will be a policy to suit.
Most van insurance providers offer different levels of cover for sole trader, private and business van usage. There are different policy types such as third party, fire and theft and comprehensive cover. For business users, policies are available whereby the van is insured instead of a specific person, allowing the number of authorised drivers to use the vehicle. Alternatively, employees who are likely to use the van can be named on the policy; this usually has the advantage of a discount.
Most van insurers include cover for windscreens, tools, keys, locks, van fixtures and audio equipment as standard in a comprehensive policy, however, these are usually available as add-ons to lower cover levels if required. Additionally, legal expenses and breakdown cover insurance can be added.