# What insurance does a van need in the UK?

> Quick answer · Last updated 5 July 2026

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## In short

At least third-party cover is legally required. Match class of use — social, carriage of own goods or hire and reward — to how you actually drive or claims may fail.

SDP suits private van use like a car. Own goods covers tradespeople carrying tools. Hire and reward is needed for paid courier work.

Comprehensive adds theft and accidental damage — valuable for work vehicles.

Continuous Insurance Enforcement applies — every van must be insured or SORN.

See van insurance explained 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.