Start by checking that the policy covers how you use the van, such as commuting, carrying tools, making deliveries or transporting goods for hire and reward. Compare the level of cover, exclusions, policy excess, mileage limits, replacement-van options, breakdown assistance and any goods-in-transit or public liability cover you may need. Look beyond the cheapest quote by checking the provider’s claims process, customer reviews and financial details, and confirm it is authorised by the Financial Conduct Authority (FCA). Read the policy wording carefully and ask an FCA-authorised broker or insurer about anything unclear before buying.