Sole trader or company. What’s the difference?
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.
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.
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.
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).
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.
*Costs of calls to 03 prefixed numbers are charged at national call rates (charges may vary depending on your network provider). These calls are usually included in inclusive minute plans from landlines and mobiles. For our joint protection, we may record and/or monitor calls.