What insurance does a van need in the UK?
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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.
Last reviewed:
Reviewed by Kaiser Khan
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.
Primary source: abi.org.uk/motor
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