Goods-in-transit cover can protect goods, tools or other property while they are being carried in your van, subject to the policy’s risks and limits. It may cover events such as theft, fire or accidental damage, but standard van insurance usually covers the vehicle and third-party liability rather than its contents. A cheap policy may have lower claim limits, exclusions for particular goods, security conditions or restrictions on whether you carry your own goods or work for customers. Compare the wording from FCA-authorised providers and check that the cover matches your business, load values and delivery arrangements.