If you’re self-employed, make sure the policy covers how you actually use your van, such as travelling between jobs, carrying tools or delivering goods, rather than choosing standard social, domestic and pleasure cover. Compare quotes using accurate details about your trade, annual mileage, van security, drivers and claims history, as misdescribing your use could affect a claim. You may reduce the price by choosing a suitable excess, improving security or considering telematics, but check the restrictions and total costs. Compare FCA-authorised providers and read exclusions, including tool or goods cover, before buying.