Buying van insurance
Buying business and commercial van insurance will protect your business against the financial costs in the event of damage or an accident and is essential for all drivers of vans, trucks, heavy goods vehicles, minibuses and coaches. However, business and commercial insurance policies are not the same as personal car insurance products. Finding the right insurance product for your business model and commercial needs will depend on a number of key factors.
If your van is not going to be used for work, then a social, domestic and pleasure policy would be sufficient. It is the cheapest type of van insurance, but it is limited in protection, and means you could not use your van for work, including the carriage of business goods.
If you wish to carry goods, then there is a clear distinction between carrying your own products, raw materials, tools etc; and carrying someone else's. In the latter case your insurer should want to know whether these goods were particularly hazardous, or valuable, and you should look into having Goods in Transit cover to protect them. Your clients will of course expect this.