You’re the owner (or owners) but there’s no legal difference between you and your business. So you registered the vehicle in your name. This means you’ll need sole trader cover.
You’re a director of your company. So when you bought a vehicle, you registered it in your company’s name. For this, you’ll need company cover.
You'll need our Business Vehicle and Van Insurance if you use your van for any kind of work reasons, like driving to and from a job site or using it to help run your small business.
The van can be registered in your company's name or, if you're a sole trader, registered in your own name.
We want you to be completely confident your policy covers everything you need it to. Our motor policy booklet (PDF 256KB) shows you all the risks we cover and benefits we deliver. Here are some of the highlights.
Call our UK helpline following an accident and we can arrange for someone to come out and help. We will also start your claim moving. Footnote [1]
If you’re hit by an uninsured driver and it wasn’t your fault, your no claim discount won’t be lost and we’ll refund any excess you’ve had to pay. You’ll need to provide us with details of the other vehicle and driver.
With comprehensive cover if your van is not safe to drive, we’ll arrange to get you to your destination, and deliver your van to a repairer. Footnote [2]
Repair and guarantee
Following a claim we guarantee the quality of repairs made by our approved repairers for as long as you own your van, even if you change insurers.
Parts are covered for the length of the guarantee given by the part manufacturer or supplier. Wear and tear is not covered. You must keep your vehicle roadworthy.
Up to £500 tool cover
The tools you keep in your business vehicle or van are covered up to the value of £500 with our comprehensive insurance. We won't cover loss or damage arising from theft not involving forceable entry to your van.
Passenger cover for your colleagues
Not all commercial vehicle policies will allow you to carry passengers, but ours does. So you’re still covered if you give a colleague a lift to the office or a site.
Replacement car and van options available
When you’ve got our comprehensive cover, we’ll supply replacement vehicles so your business can stay on the road.
Simple claims
With our straightforward online claims process and 24/7 claims helpline, making a claim just got easier.
From injury to you or your passengers to chipped windscreens, our Business Vehicle Insurance protects you when you’re behind the wheel. Whether you choose our comprehensive or third-party, fire and theft cover, you could drive away with some of our optional extras – including:
Like most Business Vehicle Insurance policies and Van Insurance policies, we can’t cover you if your car or van is being used for purposes that aren’t under the description of use, or your vehicle is being driven by a driver your policy doesn’t cover. To make sure you're covered if you have to claim, take a look at our motor policy booklet for our full list of exclusions (PDF 256KB) .
Protect your business vehicle so you can get from A to B without worry.
Insure your company vehicle today and get a quote in minutes.
We answer some of the most frequently asked questions about Business Vehicle Insurance.
Please call us on 0345 030 8870 ^ to change your address, registration number or payment details with your information to hand and we’ll update your records for you.
We reserve the right to charge an administration fee for any midterm changes to your policy, please see your policy documents or product terms and conditions for more information.
If your policy’s due for renewal, the renewal schedule or letter should count as evidence of your no claim discount (NCD) for your next insurer.
If you cancel at any other point, and have been insured with us for more than a year, we’ll automatically include proof of your NCD with your cancellation letter. If you’d prefer this via email, you can request this when you cancel.
If you’ve been with us for less than a year, we’ll send you a separate letter confirming how long you have been claim free for.
Please call us on 0345 030 8870 ^ if you’ve already cancelled your policy and no longer have your documents.
You can choose to transfer your personal NCD to your business vehicle insurance policy. If your business trades as a registered company, you cannot transfer it back to your personal policy, the transfer will be permanent and your NCD will belong to your business. However, if you operate as a sole trader, you can transfer it back to your domestic vehicle policy.
Driving other cars (DOC) cover only applies to the vehicle policy holder and can be provided for drivers who:
Applicable drivers can drive any other cars, third party only, with the permission of the owner that are not owned by or registered to them. Short-term cover is excluded.
For cover limits, exclusions and further information please review your policy documents.
Please call us on 0345 030 8870 ^. If you're adding a driver, we'll need to know the driver's details including information about any claims or motoring convictions before we can give you a quote. If you’re changing your vehicle, there may be a change to your premium - this will depend on your new vehicle details.
Please call us on 0345 030 8870 ^ if you want to make a temporary change or you’re approaching your renewal date.
If you’ve got more than 1 business vehicle, you can get up to 10% off your commercial vehicle insurance with our Multi Car policy Footnote [4] . Discount doesn't apply to optional extras. You can even choose different levels of cover and excess for each individual vehicle.
