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Competitive Van Insurance
UK Sure commercial vehicle insurance provides excellent cover for the professional tradesperson, meaning you can go about your work knowing that you are fully covered.
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Our commercial vehicle broker team has many years of experience and can offer competitive rates with our panel of insurers.
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If you’re not planning on using your van as part of your work or business, you need personal van insurance. On some insurance policies, you’ll often see personal van insurance being called ‘private van insurance’ or listed as cover for ‘social and domestic use’.
If you intend to use your van for business or even as part of your commute, you need commercial van insurance.
If you use your van to deliver parcels or goods then you need hire & reward insurance.
Van Insurance for tradespeople
At UK Sure, we work with various insurers so that you can get the van Insurance you need no matter what kind of business you own.
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Here are the types of businesses that we can typically insure:
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Tradespeople
If you own a van, whether for personal or business purposes, you must legally have insurance. The specific type of insurance will depend on how you use the van (e.g., personal, business, or commercial use).
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Business Owners
If your business uses a van (e.g., for deliveries, transporting goods, or other commercial activities), van insurance is necessary to protect both the vehicle and your business operations. Business van insurance is essential for covering the van and its professional use.
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Freelancers and Self-Employed Individuals
Suppose you're self-employed and rely on a van for work (e.g., tradespeople, couriers, or delivery drivers). In that case, you will need van insurance to cover any potential damages, liabilities, or accidents while on the job.
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Some of the companies we help include:
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Delivery and Courier Services ( Delivery Services, Food and catering business, and Postal and Storage Businesses)
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Companies like Amazon, eBay, and local delivery services often use vans to ship products to customers.​
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Moving and Storage ( Van rentals and Storage Services)​
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Construction and Trades ( Plumbers, Electricians, Contractors, and Builders. Also
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Landscaping businesses​
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Cleaning and Maintenance Services ( Commercial and Residential Cleaning Companies and also Maintenance Services)​
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Event Planning and Catering ( Catering Services and Event Set-Up)​
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Mobile Services ( Mobile Pet Grooming, Mobile Mechanics, Mobile Hair Salons, Mobile Car Detailing, and mobile Valeting) and mobile Clinics provide healthcare services.​​
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Retail and Wholesale ( Businesses operating mobile retail shops out of vans, such as food trucks, clothing vans, or accessory vendors).
Meet the team
Why Van Insurance with UK Sure?
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 proper coverage.
For many businesses, their vehicle or fleet can be the second most valuable asset after their commercial property. For us, policies are all about protecting vehicles and drivers and keeping you and your business on the move in the event of an accident.
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Key features of the policies we offer include cover for:
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Damage
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Third-party liability
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Passenger liability
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Foreign use
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Legal protection
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Flexible claims reporting
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Breakdown
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Courtesy vehicles
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Accident recovery
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Unauthorized movement
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Trailers
We arrange and tailor commercial vehicle and fleet policies for all types of businesses. This includes vehicles driven for business and private use and fleets consisting of a mix of vehicle types (cars, vans, trucks, etc.).
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Our focus is always on comprehensive, flexible, and cost-effective coverage 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.​
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Fleet Insurance
If you have two or more vehicles, fleet insurance can benefit you. It can save you money, and a single policy for the whole business can minimize admin to keep life simple.
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The UK Sure team specialises in brokering insurance coverage for companies and self-employed tradespeople. You can insure your vehicles on a third-party fire and theft or a comprehensive basis.
Just tell us what you need. We can recommend policies that include*:
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Up to £5m coverage for third-party property damage
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Windscreen cover
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Foreign use and EU cover
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No Claims Discount Protection
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Public liability and employers’ liability insurance within a single package
*Policy limits and exclusions may apply; please see the policy wording for full terms and conditions.
Types of Van Insurance Policies
Third-party-only van insurance (TPO)
Third-party only is the minimum level of insurance required by law for drivers in the UK. It covers:
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Liability for injury to others (including passengers)
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Damage to third-party property
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Liability while towing a caravan or trailer
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Third-party, fire, and theft van insurance (TPFT)
Third-party, fire, and theft cover everything that the third party does, but also:
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Fire damage
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Theft
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Damage to any of your vehicles caused by theft
Comprehensive van insurance
A comprehensive policy will provide you with the most extensive level of cover, including everything covered by third-party, fire, and theft, and usually:
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Loss or damage to your vehicles
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Windscreen cover
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Personal effects
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Accidental damage
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Medical expenses
Meet the team
Frequently Asked Questions
Question: What is commercial van insurance?
Commercial van insurance covers vans used for business purposes, such as transporting goods, tools, or equipment.
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Question: Who needs commercial van insurance?
Anyone using a van for work or business-related tasks—including tradespeople, couriers, or delivery drivers.
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Question: What types of commercial van insurance are available?
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Carriage of Own Goods – for transporting tools/equipment for work.
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Carriage of Goods for Hire or Reward – for couriers and delivery services.
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Haulage – for long-distance goods delivery.
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Question: What does it typically cover?
Depending on your policy:
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Vehicle damage
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Theft
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Third-party liability
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Windscreen repair
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Replacement van
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Goods in transit (optional)
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Question: Can I use personal van insurance for business?
No, personal insurance doesn’t cover commercial use—you need a business-specific policy.​
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Question: What’s the difference between private and commercial van insurance?
Private cover is for personal use (e.g., hobbies or commuting), while commercial is for work-related use (e.g., deliveries or trades).
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Question: What extras can I add to my van insurance?
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Breakdown cover
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Legal expenses
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Courtesy van
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Tools in transit
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European cover
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Do you have a question about van insurance?
Submit your question here
Related Products
Comprehensive van insurance tailored for businesses and individuals—covering theft, damage, accidents, and third-party liability across the UK.
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Protect your catering van with specialized insurance—covering equipment, stock, liability, theft, and road risks tailored to mobile food businesses.
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Fleet insurance offers comprehensive cover for multiple vehicles under one policy, saving businesses time, money, and simplifying vehicle management.
UK Sure Customer Services
How our customers rate us
They saved me.. thanks
Kobina Ampah
2025-06-12
Beatriz Rodrigues
2025-05-27
They are good professionals! Always ready to help! I was the best choice I made! 🙂
RACHEL SHANNON
2025-05-22
Absolutely 10/10 The service received from start to finish has been fantastic despite the complexity of the insurance required. Customer service received was superb in every way (specially Marco who has been super super helpful in securing the policy) at a great price too.