What is van insurance?
Our Aviva Signature comprehensive van insurance helps to cover against accidents, damage and theft. We’ve got different options and add-ons to offer, so you can tweak your cover until it fits you like your very own seatbelt.
And it doesn’t matter whether you use your van to carry your tools every day for work, or to pack in the surfboards and take the kids for a road trip to the coast.
Benefits of van insurance
Tool cover 
Someone breaking into your van and stealing your tools could be a disaster for your business. But don't worry, as long as the thieves force entry to your van, our comprehensive cover gives you up to £500 to get some shiny, new tools. Footnote [1]
Repair guarantee 
We guarantee the quality of repairs made by our approved repairers for as long as you own your van, even if you change insurers. We cover the parts used for the length of the guarantee given by the manufacturer or supplier. We don't cover wear and tear.
Glass replacement 
If your van's windows or windscreens get damaged, we'll help you sort out a repair or replacement. Comprehensive cover only.
What are the different types of van insurance?
Pick the option that fits you to make sure you’re getting the right kind of van insurance. We can cover most vans with a gross vehicle weight (GVW) not exceeding 3.5 tonnes and electric vans with a GVW not exceeding 4.25 tonnes.
Business van insurance 
If you use your van for work – like carrying tools, driving to and from job sites, or using it to help run your small business – you’ll need our business vehicle and van insurance. If you’re a sole trader, your van may be registered in your own name. If you’re insuring a van on behalf of a company, it should be registered in the company’s name.
Personal van insurance 
Maybe you’re a keen gardener and your van is piled with pots, or you’re an enthusiastic surfer and need plenty of space to carry your boards. If you only drive your van for social use (and not as part of a small business or your working life), our personal van insurance could be what you need.
Sole trader van insurance 
If you use a van to run your small business and it’s registered in your own name, rather than the name of a business you’re a director of, then you’re a sole trader. This means you should choose a sole trader quote for our business vehicle and van insurance to make sure you’re getting the right cover.
Important documents
We’d encourage you to read your Aviva Signature motor insurance policy (PDF 843 KB) and your Car Insurance Product Information Document (PDF 85 KB). You can also find out more by reading Aviva Signature Motor Important Information (364 KB) and motor cover limits (111 KB). If you want to add breakdown cover to your policy, you can find out more in your Aviva Signature Rescue Policy booklet (PDF 303 KB). We have information to help you if you’re motoring in Europe (PDF 239 KB). And you can also find out more about us and about our insurance services (PDF 71 KB).
What our Aviva Signature van insurance covers
That depends on what kind of cover you choose: comprehensive van insurance or third party, fire, and theft. If you make a claim, you'll have to pay a fee, known as an excess.
Comprehensive van insurance
What's covered
- Loss, theft or damage
Cover if your vehicle is lost, stolen or damaged - Vehicle recovery
If you have an accident, we'll get your vehicle going, or cover up to £500 for overnight accommodation or public transport - Transport after an accident
If your van isn't safe to drive, we'll get you home or to your destination, and get your van to an approved repairer. With comprehensive cover, geographical restrictions apply. - Tool cover
The tools of your trade that you keep in your business vehicle or van are covered up to a value of £500 with our comprehensive insurance. We won't cover loss or damage arising from theft not involving forcible entry to your van. - Glass replacement
We’ll cover the costs to replace or repair your van’s windscreen, sunroof, or windows - Replacement locks
If your keys are lost or stolen, we’ll pay to replace locks, transmitters, or immobilisers
What's not covered
- Business goods
Any goods or samples you carry for your trade or business - Tyres
Any punctures, cuts or bursts – including those caused by braking - Depreciation
We don't cover any loss in value of your van after repair
Take a look at our policy wording to get to the bottom of what’s covered and what’s not.
What's optional
Build your cover to suit your needs by choosing from our optional extras.
- Breakdown cover
Add Roadside assistance, Recovery, At Home and Onward Travel to your Van Insurance. Not available if you live in Northern Ireland - Motor legal
Help recovering your compensation and financial losses after a motor incident that wasn't your fault - Courtesy van
Access to a replacement vehicle – with standard and enhanced options available - Foreign use
Cover driving in most European countries – so wherever you are, you’re protected - Motor Injury Protection Plus
Injury cover and physiotherapy for you, your partner, and any named drivers after a motor accident - Protected no claim discount
Your premium won’t increase as a direct result of 1 claim when you renew
Third party, fire, and theft
What's covered
- Damage to your van
Protection against loss or damage to your van due to fire, theft, or attempted theft - Van recovery
Protection and removal of your van if damaged by fire, theft, or attempted theft - Your liability
Cover if you injure someone or damage their vehicle or property in a motor accident
What's not covered
- Courtesy Van
Not included with this type of cover - Glass replacement
Any repair or replacement to glass in your windscreen, sunroof, or windows - Medical expenses
Any medical expenses if you’ve been injured in an accident - Personal belongings
Damage to any of your personal belongings - Replacement locks
Locks, transmitters, and immobilisers if your keys are lost or stolen - Tool cover
Any replacement tools if your van is broken into
Get to grips with what’s covered and what’s not by looking through our policy wording.
What's optional
Build your cover to suit your needs by choosing from our optional extras.
- Breakdown cover
Add Roadside assistance, Recovery, At Home and Onward Travel to your Van Insurance. Not available if you live in Northern Ireland - Motor legal
Help recovering your compensation and financial losses after a motor incident that wasn't your fault - Protected no claim discount
Your premium won’t increase as a direct result of 1 claim when you renew
How our claims process works
Let us know
If you’ve had an accident, log in to MyAviva to make a claim online (if you're registered). Or call us on 0345 030 6925.
You'll need your policy number to start your claim – so it's a good idea to have this to hand.
For our joint protection, we may monitor and/or record telephone calls. Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles.
Expert review
We'll take a look at your claim and work out how best to help you.
We’ll review any photos or documents you’ve sent us as part of your claim and ask you for details of anyone else involved.
We'll respond quickly
We'll get back to you as soon as we can to sort things out.
Depending on your cover, we'll organise repairs to get you back on the road. Or we'll work with you to settle your claim if your vehicle can't be fixed.
Why choose us for van insurance?
Over 200k people protect their van with Aviva. Correct at July 2026.
Customers get a 10% discount on new Annual travel insurance policies. Discount excludes optional extras. Terms apply.Footnote 2
Our cover has a 5 Star Defaqto rating
Their experts lift up the bonnet of our policies, and sift through every nut, bolt and washer – it’s not based on opinions or hearsay.
Accident and claims helpline available 24/7, 365 days a year
Call our UK helpline after an accident, and we'll arrange help for you. We'll also start your claim moving. 24/7 available for new claims only.
Ready to get cover?
Our Aviva Signature comprehensive van insurance can cover you and your vehicle against the cost of accidents and damage. Our cover is Defaqto 5 Star Rated, and you can get a quote in minutes.
Get a personal quote
Cover your leisure vehicle if you only use it for social, and not for any business related reasons.
Get a business quote
Cover your business vehicle if it’s registered in your company’s name or you’re a sole trader and it’s registered in your name.
Van FAQs
Do I need van insurance? Show more Show less
Yes, if you drive a van on UK roads then van insurance is a legal requirement. Whether you use your van for personal errands, hobbies, or even business, you must have at least third-party insurance to comply with UK law.
Is van insurance the same as car insurance? Show more Show less
No, van insurance is slightly different to car insurance.
Van insurance is tailored for vehicles to carry goods, tools, or equipment, often for personal or for business reasons.
Car insurance is designed for personal vehicles that are used for commuting, leisure, or social activities.
Can I be insured on both a personal and commercial van? Show more Show less
Yes, but it wouldn’t be under the same policy. We offer both personal and commercial insurance for vans but they both have slightly different coverage. If you use your van for both commercial and personal reasons, then you’ll need to make sure you declare both types of usage when you get a quote.
If I insure my van and car with Aviva, do I get a discount? Show more Show less
Yes! If you hold at least one other vehicle policy with us and add an extra car or van to your policy, you’ll enjoy a 10% discount on both the new vehicle and your existing one, starting from the date the additional vehicle is added. Discount applies to cover costs only, excluding optional add-ons. Footnote [3]
What type of vans are covered with Aviva van insurance? Show more Show less
We can cover most vans, if they have a gross vehicle weight (GVW) not exceeding 3.5 tonnes and electric vans with a GVW not exceeding 4.25 tonnes.
Learn about motoring
From everyday essentials to the finer details, our straightforward guides help make motor-related topics easier to understand.
Driving
Van insurance for young drivers
As a young driver thinking about owning a van, find out about covering the basics with van insurance.
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Cover for your pick-up truck
Commonly, pick-up trucks were used for business. Now they’ve become more popular as everyday vehicles.
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Car insurance
Can I insure 2 cars in my name?
Learn more about Aviva Signature Multi Car Insurance and how you can find more savings and less hassle parked on your drive.
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