Do not choose solely on the cheapest quote: compare the level of cover, excess, exclusions and whether the policy reflects how you use your van, such as commuting, carrying tools or making deliveries. Check the insurer’s claims process, courtesy-van arrangements and limits for tools or goods in transit, as these can vary significantly. Make sure the details you provide about your van, drivers, mileage and business use are accurate, because incorrect information could affect a claim. You can check a provider on the FCA Register and seek advice from an FCA-authorised broker if your needs are complex.