There’s a well-known saying that goes “Life is what happens when you’re making other plans.”
Unfortunately for most of us, life happening can do interesting things to necessities, especially if we don’t fall into neat categories.
Luckily, there’s another saying. “Life finds a way.” In this case, it’s a saying that also applies to van insurance.
Couriers
In the UK of 2025, it’s the people who deliver those anticipated packages to our doors that make the world go around.
Whether you operate a single vehicle, or you’ve built your business up to a fleet, the right courier van insurance is out there for you.
It doesn’t matter whether you operate nationally, regionally or locally, there’s a range of options out there to suit you and your business.
Mobile Catering Vans
Running a mobile catering van means lots of customisation, from drop-down sides to cooking equipment if you run a hot food van, often propane gas, and all of your catering sides and equipment.
All of these changes mean you often need specialised insurance based on the changes to your vehicle and the value of your food van.
Add on the liability insurance you’ll need as a mobile caterer and it can all get a little Hell’s Kitchen without a bit of help. We work with a panel of specialist brokers that will get you up and cooking as smoothly as you’d like.
Goods in Transit
Whether you’re hauling your own stuff locally or internationally by road, or carrying goods for other people, goods in transit insurance is an absolute imperative.
This insurance covers you for loss, theft and damage to the items you’re transporting. You can also cover for unexpected delays when your hauling time sensitive goods, because nobody wants to be on the hook for an unplanned traffic or customs hold-up.
You can get cover for high-value goods, and even suffering loss or damage in the past won’t exclude you.
Most solo, small, large and self-haulers can get the insurance they need at competitive prices for the journeys they undertake.
Hauliers can also combine their GIT (Goods in Transit) insurance with public and employers’ liability insurance, streamlining the process in an industry that lives and dies by delivery times and expectations.
HGVs
In the UK, an HGV is any vehicle with a gross weight of over 3.5 tonnes including its carried cargo, known as Gross Combination Mass. Referred to as LGV’s (Large Good Vehicles) in the EU, these heavy beasts require skill to operated safely across roads under ideal conditions.
Add in frequently less than ideal weather, roads under - or desperately needing – maintenance, and the behaviour of other drivers, and you’ll be looking for good HGV insurance as a priority.
Whether you’re transporting furniture or a coach service, the brokers we work with also be able to help you with risk management as well.
Small Vans (under 7.5 tonnes GVW)
Running your own business from a small van means that your vehicle is a mobile office and workspace. Unfortunately, this means that you’re probably doing your own admin work as well, and in between sorting out quotes, billing and supplies, you’ll need insurance.
Whether you’re just starting out or pretty well established, the cost of small van insurance is going to be important; you need to make sure you’re not underinsured (which is an offense that can get your van impounded in the UK) but at an affordable cost.
We work with commercial vehicle insurance specialists who can get the right insurance at the right price for you, freeing up some of your time to get on with your work worry-free.
Looking for van insurance we haven’t listed here yet? We have a huge selection to choose from. Just click here to find the category you want.