Be cautious of unusually cheap quotes that exclude business use, carrying tools or overnight storage, as these gaps could affect a claim. Give accurate details about your van, drivers, mileage, modifications and how it is used; changing these facts to reduce the price can create serious cover problems. Check the excesses, exclusions, windscreen and tool cover, cancellation charges and whether the provider or broker is FCA-authorised. If any wording is unclear, ask the insurer for confirmation before buying and consider advice from an FCA-authorised insurance professional.