Sole trader or company. What’s the difference?
Pick the option that fits you to make sure you’re getting the right kind of business vehicle insurance.
Sole trader 
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.
Company 
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.
Why do I need Business Vehicle Insurance?
You'll need 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.
Benefits of Aviva Signature business vehicle insurance
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24/7 accident and claims helpline
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]
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Uninsured driver promise
If you're hit by an uninsured driver and it wasn't your fault, you won't lose your No Claim Discount. We'll also refund any excess you've had to pay. You'll need to give us the details of the other vehicle and driver.
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Transport after an accident
With comprehensive cover, if your car isn't safe to drive, we'll get you home or to your destination, and get your car to an approved repairer. Geographical restrictions apply.
What our business vehicle insurance covers
That depends on what kind of cover you choose: comprehensive insurance or third party, fire, and theft. From injury to you or your passengers to chipped windscreens, our Business Vehicle Insurance helps protect you when you're behind the wheel.
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.
Comprehensive insurance
Whats covered
What’s not covered
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. full list of exclusions (PDF 256KB)
What's optional
Third party, fire and theft
Whats covered
What’s not covered
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.
Get to grips with what’s covered and what’s not by looking through our policy wording.
What's optional
Sculpt your cover to suit your needs by choosing from our optional extras.
Sole trader
Help protect your business vehicle so you can get from A to B without worry.
Company
Insure your company vehicle today and get a quote in minutes.
Got a question?
We answer some of the most frequently asked questions about Aviva Signature Business Vehicle Insurance.
How do I change my details on my motor insurance? Show more Show less
Please call us on 0800 056 2192 Footnote [2] to change your address, registration number or payment details with your information to hand and we’ll update your records for you.
Do you charge an admin fee to make a change? Show more Show less
No we do not charge an admin fee.
How can I get proof of/transfer my no claim discount? Show more Show less
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 0800 056 2192 Footnote [2] 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.
Am I entitled to driving other cars (DOC) cover? Show more Show less
DOC cover only applies to the vehicle policy holder of sole trader policy and that there is no DOC cover on a company policy.
- Have comprehensive cover
- Are aged 25 or above (at the start date or renewal of the policy).
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.
For cover limits, exclusions and further information please review your policy documents.
How do I add or remove a driver or change my vehicle? Show more Show less
Please call us on 0800 056 2192 Footnote [2] 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.
Temporary changes and renewals Show more Show less
Please call us on 0800 056 2192 Footnote [2] if you want to make a temporary change or you’re approaching your renewal date.
What if I've got more than one vehicle? Show more Show less
If you’ve got more than one business vehicle registered at the same address, you can get up to 10% off your business vehicle insurance with our Aviva Signature Multi Car policy. Footnote [3] Discount doesn't apply to optional extras. You can even choose different levels of cover and excess for each individual vehicle.
Got more than 5 vehicles? Get a quote through a broker
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