If you use your van to deliver parcels or goods for payment, ordinary social, domestic and commuting cover is unlikely to be sufficient. Look for courier or hire-and-reward van insurance, and check whether you also need goods-in-transit cover and public liability insurance for your work. Comparing quotes can help reduce the cost, but make sure the policy reflects your delivery area, mileage, goods carried and claims history rather than choosing on price alone. Check the insurer or broker is authorised by the FCA and read the exclusions carefully.