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Van insurance: which use do you need?

Van insurance depends on how you use the van. Personal use, carrying your own tools and goods, and carrying other people’s goods for payment are different classes of use, and the wrong one can mean a claim is refused.

Ask Gaia about your situation · Call 020 8805 1555

Carriage of own goods

For tradespeople carrying their own tools and materials.

Haulage and courier

Carrying other people’s goods for payment needs haulage or courier cover.

Tools and goods

Van insurance often does not cover what is inside. Ask about tools and goods in transit.

Named drivers

Tell your insurer about everyone who drives the van.

WHAT AFFECTS THE COST
HAVE THIS READY WHEN YOU CALL

193 High St, Ponders End, Enfield EN3 4EA, London · 020 8805 1555 · Mon – Fri 9:00 am – 5:30 pm, Sat & Sun closed · Help in English or Turkish

RELATED COVER
Van InsuranceCover for vans used for work, from single vans to small businesses.Commercial Vehicle InsuranceCover for vehicles your business depends on, from vans to specialist vehicles.Goods in Transit InsuranceCovers the goods you carry or send if they are lost, stolen or damaged on the way.Tools InsuranceCovers the tools you rely on against theft and damage, including from your van.

More guides: Insurance for builders and tradespeople

General guidance only. Cover depends on policy terms, conditions and exclusions.

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