From a single van to a full fleet — compare commercial motor insurance from FCA-authorised UK insurers. Cover that keeps your business moving.
Free to compare. No obligation. FCA-authorised insurers only.
Select your vehicle type to see what's available and what to look for in a policy.
The most common form of commercial motor cover in the UK. Essential for sole traders, tradespeople, couriers and small businesses operating one van for work purposes.
A standard private car policy does not cover a vehicle used for business — you must declare business use and hold a commercial motor policy.
A single policy covering multiple business vehicles — typically from 2 vehicles upwards. Far simpler to manage than individual policies, with one renewal date and a single point of contact.
Fleet policies can cover mixed vehicle types (vans, cars, HGVs) under the same policy, and usually offer any-driver cover for greater operational flexibility.
Cover for cars owned by a business and used by employees — whether for sales, site visits, commuting or personal use. Can be arranged per vehicle or as part of a fleet policy.
If employees also use the car privately, the policy must include social, domestic and pleasure (SDP) use in addition to business use.
Specialist cover for heavy goods vehicles over 3.5 tonnes. HGV insurance is more complex than van insurance and must reflect the type of goods carried, operating radius and driver licence classes held.
Most HGV policies are arranged through specialist brokers due to the high value of vehicles and loads involved.
Cover for non-standard commercial vehicles including agricultural machinery, plant equipment, mobile cranes, recovery vehicles, ice cream vans and modified vehicles.
Specialist vehicles often need bespoke policies as standard commercial motor products don't cover unusual body types, specialist equipment or off-road use.
Commercial motor policies can include a range of extensions beyond basic vehicle cover. Here's what to look for.
The highest level of protection — covers your vehicle for accident damage (your fault or not), fire, theft, vandalism and third-party claims. Recommended for most business vehicles.
Covers goods, materials or stock you're carrying in your vehicle against loss, theft or damage. Essential for couriers, delivery drivers and hauliers. Usually a separate add-on.
Covers tools and equipment stored in your van against theft. Standard vehicle policies often exclude tools — this is one of the most important add-ons for tradespeople.
Required if you carry passengers or goods for payment — including taxis, private hire, couriers and food delivery. Standard business use does not cover hire & reward.
Most UK commercial policies include minimum EU cover as standard. For regular European haulage or international deliveries, an extended continental policy is recommended.
Telematics policies track driving behaviour and can significantly reduce premiums for fleets with good driver records. Increasingly standard in fleet management.
All commercial motor policies must offer at least third-party cover by law. Here's how the three main levels compare.
| Cover Element | Third Party Only | Third Party, Fire & Theft | Comprehensive |
|---|---|---|---|
| Damage to other vehicles / property | ✓ | ✓ | ✓ |
| Injury to third parties | ✓ | ✓ | ✓ |
| Fire damage to your vehicle | ✗ | ✓ | ✓ |
| Theft of your vehicle | ✗ | ✓ | ✓ |
| Accidental damage to your vehicle | ✗ | ✗ | ✓ |
| Vandalism / malicious damage | ✗ | ✗ | ✓ |
| Windscreen repair | ✗ | ✗ | Optional |
| Courtesy vehicle | ✗ | ✗ | Optional |
| Tools / goods in transit | ✗ | ✗ | Add-on |
Single van insurance is our most requested commercial motor product. Here's what makes a strong van policy.
Don't leave your tools at risk. Add tools in transit cover to protect your equipment against theft from an unattended vehicle.
Carrying customer goods or deliveries? Goods in transit cover protects what's in the back — up to £10,000 or more depending on your load.
Keep working while yours is off the road. A courtesy van ensures your business doesn't stop when your vehicle goes in for repairs.
Some van policies include or offer public liability as an add-on — important if you're working at client premises or in public spaces.
UK and European breakdown cover available. For sole traders, a van breakdown without cover can mean a full day's lost income.
Telematics can reduce premiums by 10–30% for safe drivers. Worth considering if you have a clean record or want to control costs.
We refer you to FCA-authorised UK insurers covering vans, fleets, HGVs and all business vehicles.
Fast online van and small fleet quotes. Tools in transit and goods in transit add-ons available.
Get a quote →Compare multiple commercial vehicle insurers in one place. Covers vans, fleets and specialist vehicles.
Get a quote →Comprehensive commercial motor range including fleet policies for 5+ vehicles with telematics options.
Get a quote →Specialist broker for non-standard, HGV and modified commercial vehicles. Strong on bespoke cover.
Get a quote →Referral fees may apply. The price you pay is unaffected. Always read the full policy before purchasing.