Business Vehicle and Van Insurance
Sole trader or company. What’s the difference?
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 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.
What’s included
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.
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]
Uninsured driver promise
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.
24-hour pickup
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]
Benefits to free you from worry and hassle
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.
Get more with our Business Vehicle Insurance
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:
- Foreign use cover – Keeps you covered if you’re working and driving in most European countries.
- Protected no claim discount – You won't lose your no claim discount as a direct result of a single claim.
- Motor legal – Expert legal support when you need it most.
- Courtesy Van Cover – We’ll keep you on the road with a courtesy vehicle if yours is damaged, written off or stolen. Only available with our comprehensive cover.
- UK Breakdown cover – Roadside assistance, Recovery, At Home and Onward Travel as an add-on to your Van Insurance Footnote [3] . Not available if you live in Northern Ireland.
What isn’t 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. 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).
Get a quote online
Sole trader
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 Business Vehicle Insurance.
How do I change my details on my motor insurance?
Do you charge an admin fee to make a change?
How can I get proof of/transfer my no claim discount?
Am I entitled to driving other cars (DOC) cover?
How do I add or remove a driver or change my vehicle?
Temporary changes and renewals
What if I've got more than one vehicle?
Need some help?
If you’ve got a question about our Business Vehicle Insurance or you’d like to find out more, give us a call and our team will be happy to help with your query.
General queries
0800 051 2382
24/7 claims helpline
0800 246 876*
*For your protection and ours, calls to and from Aviva may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free of charge. Calls from outside the UK may be charged at international rates.
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