Be cautious of a quote that is unusually cheap, omits important details or does not clearly explain the excess, exclusions and level of cover. Check that the policy reflects how you use the van, including commuting, business deliveries, tools, overnight parking and any additional drivers. Avoid providers that pressure you to pay immediately, request unusual payment details or cannot give clear contact and complaints information. Check the insurer or intermediary on the FCA register, and read the policy documents before deciding; cover and prices depend on your circumstances.