Commercial Van Insurance

We know how important your work van is to your livelihood. If your van was stolen, or involved in a collision, we understand how devastating that would be.

A commercial van insurance policy with GoSkippy 4 Business will make sure you’re covered when using your van for your business.

Call us on 0344 776 9390 to get your policy in place in no time.

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What is Commercial Van Insurance?

It’s a type of commercial vehicle insurance that protects your work van. If your work van is stolen, or in an accident, it means you can minimise disruption to your business.

The minimum cover you need (by law) is third party only (TPO). However, you can increase your cover if you want greater peace of mind:

Fully Comprehensive

This includes all the cover you get with Third Party Fire and Theft, with added protection for your own vehicle if you’re involved in a collision that’s your fault.

Third Party, Fire and Theft

The same as Third Party Only, but with cover for your work van if it’s stolen or damaged by fire.

Third Party Only

This covers any damage you cause to other people and their property. It doesn’t cover repairs to your own vehicle.

Types of Commercial Van Insurance?

To make sure you get the right type of business policy, we’ll ask what you use your van for, and what type of van it is. We’ll also need to know the weight of your van, as any vehicle over 3.5 tonnes normally falls into the category of truck insurance.

Carriage of own goods

If you use your work van to carry your own business goods. For example, a gardener will carry tools and equipment.

Carriage of goods for hire and reward

If you use your work van to carry other peoples’ goods for payment, normally to multiple drop-offs each day.

Haulage

This cover insures against any accident that you may have. It includes all the features of Carriage of goods for hire and reward and Carriage of own goods, and damage to your van when it’s unattended, such as vandalism or a hit and run.

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Commercial Van optional extras

We’ll make sure you’re not paying for cover you don’t need and can even give you some tips to help keep your insurance costs down.

Some of the key areas we can arrange cover for include*

Tool Cover

This covers the cost of replacing or repairing your tools if they’re lost or damaged, for example due to fire or theft. Tools are covered when they are being loaded on or into, carried or transported by, or temporarily stored in or unloaded from your vehicle.

Goods in Transit Cover

If the items you’re delivering are lost, damaged, or stolen while in your possession, you’re potentially liable.

Windscreen Cover

This covers you, so your windscreen will be repaired or replaced if you completely break or partly damage it.

Breakdown Cover

If you breakdown in your vehicle, a recovery agent will attempt to fix it at the roadside. If they can’t, you’ll be recovered to a garage to get it looked at further. There are different levels of breakdown cover you can buy.

Key Cover

This protects you if your vehicle keys have been lost, stolen or broken. If you’re stranded away from home by the loss of your keys and have no access to your vehicle you’ll get £75.00 per day inclusive of VAT for vehicle hire, for up to 3 days.

Mis-fuel Cover

Your fuel tank will be drained and washed out at the roadside. It will also be topped back up with 10 litres of the right fuel. If needed, a specialist can recover you and up to 6 passengers to the closest repair centre. You’ll also have access to a dedicated emergency help line.

We also offer Motor Legal Expenses Cover and Breakdown Cover

Interested in adding these to your policy?

*Limitations and exclusions apply to all these add-ons.

Call us 0344 776 9390

Who needs Commercial Van Insurance?

If you own a van, under the Road Traffic Act, if it is not declared SORN, then you need a valid insurance policy to drive it, the minimum being ‘Third Party Only’. If you use a van to make a living, it’s commercial van insurance you’re after. This could be for travelling to different work locations with a van full of tools, goods, or materials for business purposes.

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Why use GoSkippy 4 Business?

We are an insurance broker set up to bring you first class insurance at the most competitive prices we can find.

We search a range of market-leading insurers to find you the best deal. Please note, the cheapest way to get a quote from us is online.

We’re an established UK broker

Affordable price

Quality cover

Top customer service

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