Van insurance for carrying your own goods

Are you looking for van insurance that covers you for carrying your own goods? Why not get quotes from up to 60 of the UK's top van insurers, online?

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Is there a diffence between insurance for carrying goods I own, and those I don't?

Absolutely. The quote form gives you the choice of getting business use for carrying your own goods, and carriage of other people's goods goods for hire and reward. At the risk of 'trying to teach granny how to suck eggs' there is a huge difference between the two:

Carrying your own goods: This refers to using a van for business or personal purposes, where you transport goods that belong to you or your business. It could include carrying tools, equipment, or products related to your trade or profession. Insurance for carrying your own goods is generally considered less risky for insurers (and therefore cheaper) because you have direct control over the items being transported.

Carrying goods owned by someone else: This type of van insurance covers situations where you transport goods belonging to others as part of a delivery or courier service. It may involve transporting products for clients, customers, or companies; and getting paid to do so. Insuring a van for this purpose (it is known as 'hire and reward' cover) is typically more complex and carries higher risks, for a number of factors, including:

• There is more pressure to make deliveries on time
• Drivers often have to make multiple deliveries on each trip, often to unfamiliar locations
• Earnings can depend on the number of deliveries made, increasing the incentive to rush and take risks
• Drivers can be onliged to work at night or evenings, or during bad weather, when the risk of accidents are much higher.

As a result of factors such as these, accident rates for drivers carrying other people's goods are substantially higher than the average, which is why the additional premiums are charged.

Considerations such as the value and nature of the goods, distance travelled, and the number of stops can influence the cover and cost.

What happens if I just carry other people's goods on rare occasions?

Then, in order to comply with the law, you still need hire and reward cover. Let's look at a couple of examples to illustrate this:

1) You are a builder and you carry your tools and equipment in your van, as well as bags of sand, cement, and other building materials that you have bought yourself. For this, you only need insurance for carrying your own goods.

However: your customers want a particular bathroom suite fitted. You go with them to the showroom, they pick the one they want, and you buy it. That suite remains your property until it is fitted into the customer's house so you shouldn't need hire and reward cover; but if they pay for it, they become the owner; so best not deliver it for them!

2) You sell flowers at a market. You can carry them to and from the market with carriage of own goods cover, but if someone orders a bouquet, they pay for it and you deliver it to them then you need hire and reward insurance.

How do I get quotes?

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