Compare cheap van insurance quotes

Comparing your van insurance has never been so quick and easy

If you’re a sole trader providing goods or a service, a van will be central to the running of your business. It is crucial, therefore that you get the right level of cover that includes the insurance features you need at the right price.

As your business grows and develops you may find yourself transporting more valuable goods and materials, travelling longer distances and may even need to purchase a bigger van!

Why compare Van insurance for sole traders?

All factors mean that researching the most appropriate cover is an important task as not doing so could seriously damage your business. Even if you already have cover in place you may need to switch or alter the cover to fit in with your changing circumstances.

At we understand that as a sole trader, you’ll want cheap insurance at the right level of cover because making the wrong choice may negatively affect your livelihood.

Do sole traders need private or business van insurance?

This is a vital question to get right, otherwise your insurance cover could become invalid.

Unless your van is exclusively for personal use then you need some form of commercial van insurance.

You need private van insurance when:

  • You are only using your van for pleasure, domestic or social uses

This includes holidays, hobbies, shopping or family errands.

You need business van insurance when:

  • You use for the van for work

This includes travelling to and from work and is necessary even if you use the van for pleasure, social or domestic reasons most the time.

If you are a sole trader using a van to travel to jobs, then you will need a business van insurance policy.

What van insurance cover is available to sole traders?

This will differ depending on the level of cover you choose – whether it be third party, third party fire and theft or comprehensive

For more information on these levels of cover please see our guide ‘What do I need to know about van insurance?’.

It is always necessary to check about exactly what is covered by your sole trader van insurance.

There are Optional Additional Products that you may want to consider. These include:

  • Van breakdown cover
  • Goods in transit cover
  • Tools insurance
  • Guaranteed van hire
  • Excess protection

Tools insurance for sole traders

Many sole traders carry expensive tools or equipment that they simply couldn’t continue their business without.

There are several factors to consider when arranging this type of policy:

  • Do I need overnight cover for my goods?
  • What is the typical value of goods I carry?
  • What security might I need on my vehicle?

Why compare van insurance for sole traders?

Levels of cover and cost can differ from insurer to insurer so finding the best cover at the best price for your business is a worthwhile exercise. Comparison sites such as take away the hassle by searching for you making it a quick and easy process

Are you a sole trader looking for van insurance?

Why not compare quotes from a panel of leading UK insurers using our comparison tool?

If you need some assistance our experts would be happy to help

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