Business vehicle and van insurance

Business Vehicle and Van Insurance

Keeping your business on the road

Sole trader or company. 
What’s the difference?

However you use your vehicle, we’ve got you covered. Pick the option that fits you to make sure you’re getting the right kind of business vehicle insurance.

Sole trader

You’re the owner (or owners) but there’s no legal difference between you and your business. So you registered the vehicle in your name. This means you’ll need sole trader cover.

Company

You’re a director of your company. So when you bought a vehicle, you registered it in your company’s name. For this, you’ll need company cover.

Why do I need Business Vehicle Insurance?

You'll need Business Vehicle and Van Insurance if you use your van for any kind of work reasons, like driving to and from a job site or using it to help run your small business.

The van can be registered in your company's name or, if you're a sole trader, registered in your own name.

Benefits of business vehicle insurance

  • 24/7 accident and claims helpline

    Call our UK helpline following an accident and we can arrange for someone to come out and help. We will also start your claim moving. Footnote [1]  

  • Uninsured driver promise

    If your vehicle is involved in an accident caused by an uninsured motorist, we'll refund any excess you've paid. You’ll need to provide us with details of the other vehicle and driver.

  • Transport after an accident

    With comprehensive cover, if your vehicle isn't safe to drive, we’ll get you home, or to your destination and get your vehicle to an approved repairer. Onward travel arranged on comprehensive cover. Geographical restrictions apply.

Do you already have car insurance with us?

What our business vehicle insurance covers

That depends on what kind of cover you choose: comprehensive insurance or third party, fire, and theft. From injury to you or your passengers to chipped windscreens, our Business Vehicle Insurance helps protect you when you're behind the wheel.

We want you to be completely confident your policy covers everything you need it to.

Our motor policy booklet (PDF 256KB) shows you all the risks we cover and benefits we deliver. Here are some of the highlights.

Comprehensive insurance

Whats covered

  • Repair guarantee
    Following a claim we guarantee the quality of repairs made by our approved repairers for as long as you own your van, even if you change insurers.
    Parts are covered for the length of the guarantee given by the part manufacturer or supplier. Wear and tear is not covered. You must keep your vehicle roadworthy.
  • Up to £500 tool cover
    The tools of your trade that you keep in your business vehicle or van are covered up to the value of £500 with our comprehensive insurance. We won't cover loss or damage arising from theft not involving forcible entry to your van.
  • Passenger cover for your colleagues
    Not all commercial vehicle policies will allow you to carry passengers, but ours does. So you’re still covered if you give a colleague a lift to the office or a site.
  • Replacement car and van options available
    When you’ve got our comprehensive cover, we’ll supply replacement vehicles so your business can stay on the road.
  • Straightforward claims
    With our straightforward online claims process and 24/7 claims helpline for new claims only.

What’s not covered

Like most Business Vehicle Insurance policies and Van Insurance policies, we can’t cover you if your car or van is being used for purposes that aren’t under the description of use, or your vehicle is being driven by a driver your policy doesn’t cover. full list of exclusions (PDF 256KB)

  • Business goods
    Any goods or samples you carry for your trade or business
  • Tyres
    Any punctures, cuts or bursts – including those caused by braking
  • Resale value
    We can’t cover you for any loss in value of your van after repair

 

What's optional

  • Foreign use cover
    Only available with our comprehensive cover.
  • Protected no claim discount
    You won't lose your no claim discount as a direct result of a single claim for the next year
  • Motor legal
    This gives an expert legal helping hand and costs of up to £100,000 to recover compensation after a vehicle accident, when you did nothing wrong. It covers you, your named drivers and any passengers. You’ll only get this support if it’s likely you’ll win your claim against the person responsible. It also provides up to £10,000 for lawyers' costs to defend you against prosecution for a motoring offence.
  • Courtesy vehicle Cover
     We’ll keep you on the road with a courtesy vehicle if yours is damaged, written off or stolen. Only available with our comprehensive cover. Exclusions and limitations apply.
  • UK Breakdown cover
    Roadside assistance, Recovery, At Home and Onward Travel as an add-on to your business vehicle insurance. Footnote [2] Not available if you live in Northern Ireland.

Third party, fire and theft

Whats covered

  • Damage to your van
    Protection against loss or damage to your van due to fire, theft, or attempted theft
  • Van recovery
    Protection and removal of your van if damaged by fire, theft, or attempted theft. Protection and removal of your van if damaged by fire, theft, or attempted theft.
  • Your liability
    Cover if you injure someone or damage their vehicle or property in a motor accident

What’s not covered

Like most Business Vehicle Insurance policies and Van Insurance policies, we can’t cover you if your car or van is being used for purposes that aren’t under the description of use, or your vehicle is being driven by a driver your policy doesn’t cover.

  • Glass replacement
    Any repair or replacement to glass in your windscreen, sunroof, or windows
  • Medical expenses
    Any medical expenses if you’ve been injured in an accident
  • Personal belongings
    Damage to any of your personal belongings
  • Replacement locks
    Locks, transmitters, and immobilisers if your keys are lost or stolen
  • Tool cover
    Any replacement tools if your van is broken into
  • New van replacement
    Not included with this type of cover

Get to grips with what’s covered and what’s not by looking through our policy wording.

 

What's optional

Sculpt your cover to suit your needs by choosing from our optional extras.

  • Breakdown cover
    Add Roadside assistance, Recovery, and At Home to your business vehicle insurance.  Not available if you live in Northern Ireland
  • Motor legal
    This gives an expert legal helping hand and costs of up to £100,000 to recover compensation after a vehicle accident, when you did nothing wrong. It covers you, your named drivers and any passengers. You’ll only get this support if it’s likely you’ll win your claim against the person responsible. It also provides up to £10,000 for lawyers' costs to defend you against prosecution for a motoring offence.
  • Protected no claim discount
    Your premium won’t increase as a direct result of 1 claim when you renew.

 

Sole trader

Help protect your business vehicle so you can get from A to B without worry.

Get a sole trader quote Retrieve a saved quote

Company

Insure your company vehicle today and get a quote in minutes.

Get a company quote Retrieve a saved quote

Got a question?

We answer some of the most frequently asked questions about Business Vehicle Insurance.

How do I change my details on my motor insurance?

Do you charge an admin fee to make a change?

How can I get proof of/transfer my no claim discount?

Am I entitled to driving other cars (DOC) cover?

How do I add or remove a driver or change my vehicle?

Temporary changes and renewals

What if I've got more than one vehicle?

Important documents

Motor Insurance Policy Booklet (PDF 255 KB)

Insurance Product Information Document (PDF 83 KB)

Important Information Document (PDF 104 KB)

Need some help?

If you’ve got a question about our Business Vehicle Insurance or you’d like to find out more, give us a call and our team will be happy to help with your query.

General queries

0800 051 2382

24/7 claims helpline for new claims only

0345 030 6925

*For your protection and ours, calls to and from Aviva may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free of charge. Calls from outside the UK may be charged at international rates.

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