Start by choosing cover that matches how you use the van, such as social, domestic and pleasure, commuting, carrying your own goods, or hire and reward; using the wrong class could affect a claim. Decide between third-party, third-party fire and theft, and comprehensive cover, then compare the excess, limits, exclusions and optional extras rather than just the headline price. Give accurate details about drivers, mileage, modifications, storage and security, and check whether tools or goods are covered. If you are unsure, ask an FCA-authorised insurance provider to explain the policy wording before buying.