# What is the difference between private and commercial van insurance?

> Quick answer · Last updated 5 July 2026

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## In short

Private van policies cover social and commuting use. Commercial classes cover business mileage, tools and paid delivery — premiums and underwriting differ.

Using a private policy for courier work voids cover.

Business use declarations affect premium and acceptance.

Some insurers accept car NCB on private van policies.

See van insurance guide.

## Related

- [Van insurance guide](https://moneyguide.org.uk/insurance/van-insurance-explained/)
- [Compare car insurance](https://moneyguide.org.uk/cars-motoring/compare-car-insurance-guide/)

## Primary source

abi.org.uk/motor

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.