Choosing the cheapest quote without checking the cover can be a mistake, particularly if it excludes tools, goods in transit or business use. Give accurate details about your van, occupation, mileage, storage, modifications and named drivers, as incorrect information could affect a claim. Do not declare a lower annual mileage or use a vehicle mainly for personal trips when it is actually used for work. Check the excess, exclusions, breakdown cover and whether your tools are insured separately, and avoid adding someone as the main driver if they are not. Compare policies from FCA-authorised providers and read the policy wording before buying.