Vans aren’t just for work, many people use their van for leisure too. Increasingly, van enthusiasts are re-spraying, modifying and improving their vans, which can have an impact on private van owner insurance.
In the UK it’s a legal requirement for every vehicle driver to have insurance. The extent of cover you need to take out depends upon whether your vehicle is for private or for business use however.
Unless your van is strictly for personal use you will need van insurance to cover you for any commercial activity you may use it for. Even if you use your van very seldom for business then commercial insurance is necessary. You can safely take out private van insurance, however, if you are confident that your van is solely for social and domestic use. Domestic use also includes using your vehicle for a hobby or pastime. Be aware that campervans and mobile homes require separate specialist policies.
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If your hobby becomes your business, for example you begin taking payment for your touring magic shows for which you use your van, then you will need to switch to business van insurance. The notable exception to this is the car boot sale. If you can demonstrate that your car boot sale is a one off social activity then this is acceptable under your personal van insurance policy, even if you make money from that activity.
Non commercial van insurance will cover you for a number of social and personal uses, however, if you have a vintage or classic van it is worth looking into specialist cover for your particular make and model. If you take your classic van to shows or exhibitions then there are additional risks that you will want to secure the right level of cover for.
Remember that if you do modify your van in any way it’s important to notify your insurer. If your modifications make your van safer then these changes could have a positive impact on the amount you pay for your policy. However, there is no one-size-fits-all policy for modifications and some might be for aesthetic reasons, so it’s worth having a chat with your insurer to make sure you have adequate cover.
Whatever you use your van for, it’s important to get the right level of cover. Find out how much your private van insurance is and get a quote today.
As a business bank, we work closely with a wide range of businesses. This helps us understand how you work and the challenges you face. So you can be sure we'll take the time to get to know your business, and try to provide the right level of cover.