Commonly, pick-up trucks were used for business, hauling equipment, or making deliveries. Now they’ve become more popular as everyday vehicles. The specific insurance you need will be based on the purpose of use with your pick-up, whether it be business or personal.
What type of insurance do I need?
Personal van insurance
If you plan on using your pick-up as just your everyday vehicle, getting you to and from work, or helping you reach and explore some mountains.
Business van insurance
From hauling tools, to transporting stock if you’re using your pick-up for work then business will be the insurance for you.
What level of cover do I need for my pick-up truck?
Comprehensive
Comprehensive van insurance provides extensive coverage for a range of incidents. This includes accidents, theft, and damage. It goes beyond basic protection provided under third party, fire and theft, offering a broader safety net for your van, giving you peace of mind on the road.
Third party, fire and theft
Third-party, fire and theft van insurance covers damage you cause to others. It also helps protect your van from fire or theft. It's an option offering a balance between protection and cost. It's suitable for those seeking essential coverage, but not comprehensive insurance.
Types of pick-ups you can have on your Aviva Signature van insurance
When it comes to the types of vehicles we can provide insurance for, we can potentially insure everything from box vans to light vans as well as pick-ups. Subject to underwriting process.
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.
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 with roadside repairs, or cover up to £150 for accommodation or public transport
Tool cover If your van is broken into and your tools stolen, you’re covered up to £500
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
Your no claim discount Make sure one claim doesn't make years of hard-earned discounts disappear
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
Resale value We can’t cover you for 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
Sculpt your cover to suit your needs by choosing from our optional extras for an additional cost.
Breakdown cover Add Roadside assistance, Recovery, At Home and Onward Travel to your Aviva Signature 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 vehicle Access to a replacement vehicle – with standard, enhanced and van options available. We'll aim to provide another van within 24hrs if yours is stolen or cannot be used after an accident (optional cover on comprehensive) Footnote [1]
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
New van replacement 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
Sculpt your cover to suit your needs by choosing from our optional extras for an additional cost.
Breakdown cover Add Roadside assistance, Recovery, At Home and Onward Travel to your Aviva Signature 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
Pick-up trucks explained
What is a pick-up truck?
A pick-up truck is a light, commercial vehicle with an enclosed cab and an open, flat area on the back. It can be useful for carrying tools, equipment or goods.
Can I insure a pick-up truck with Aviva?
Yes. We offer van insurance for pick-up trucks, whether you use yours for personal or business reasons.
Personal van insurance is for everyday use, like hobbies or DIY.
Business van insurance is for work-related use, like transporting tools, making deliveries, or running a trade.
How is a pick-up truck classified in the UK?
Although we classify pick-up trucks under 'van' insurance, they aren't all recognised as vans by law.
From 6 April 2025, most double cab pick-ups (with four doors and two rows of seats) will be classed as cars for tax purposes. For VAT, it depends on payload capacity:
