A cheap van insurance policy can still provide the cover you need, but the price does not confirm what is included. Check your policy schedule and certificate for the level of cover, permitted use, goods or tools protection, named drivers and any exclusions or excesses. Driving other vans is not automatically covered, and some policies only provide third-party cover if that benefit is included. If anything is unclear, ask your FCA-authorised insurer or broker to confirm the wording before you rely on it.