If you use your van for work, you will usually need a policy that includes business use, such as carriage of your own goods or haulage, depending on what you do. Courier and hire-and-reward work often require specific cover, so check that the policy matches how you use the van. You can normally choose comprehensive, third-party fire and theft, or third-party cover, subject to the insurer’s terms. Tell the insurer about regular drivers, modifications and business activities, and compare quotes from FCA-authorised providers.