Van insurance class of use: which one do you need?
The four classes of use on a van quote, how insurers tell them apart, and what happens if the one you pick doesn't match how you use the van.
Van insurance guides
Plain-English guides to van, pickup and courier insurance in the UK: class of use, hire and reward, tools cover, licences and tax.
Can I drive a 3.5 tonne van on a car licence?
Yes, if its plated maximum weight is 3,500kg or less, or 4,250kg for an electric or hydrogen van. Anything heavier usually needs category C1.
Carriage of own goods: what it means on van insurance
Carriage of own goods covers driving your van for work while carrying your own tools, stock and materials. It does not cover delivering for payment.
Does signwriting affect van insurance?
It can. Some insurers treat signwriting and wraps as a modification you must declare. Whether the price changes depends on the insurer.
Does van insurance cover tools? Limits, overnight rules and claims
Not automatically. Tools are covered only if your policy has a tools section or you add tools cover, and that cover has its own limits and theft conditions.
Hire and reward insurance for a van: when you need it
You need hire and reward cover when you're paid to carry other people's goods in your van. It covers that use of the van, not the parcels in the back.
Social, domestic and pleasure van insurance: can you use it for work?
SD&P van insurance covers personal use only. What it allows, why commuting and work need more, and what happened when a pickup owner got it wrong.