Ask whether the policy covers your actual use, such as commuting, carrying tools, deliveries or courier work, and whether there are restrictions on named drivers, mileage or where the van is kept overnight. Check what happens to your goods, tools and modifications, as these may need separate cover or specific declarations. It is also sensible to ask about the excess, breakdown assistance, replacement-van cover, legal expenses and how a claim could affect your no-claims discount. Compare the answers with the full policy wording and, if anything is unclear, ask an FCA-authorised insurance provider to explain it.