Your van is likely to be vital for your commercial business or perhaps important for your social, domestic and pleasure activity. Either way you need to make sure you take out the best van insurance cover to meet your needs.

A number of UK insurance companies have developed specialist insurance products for vans and their drivers. Some also have products focused on particular commercial business trades, including couriers, plumbers, painters and decorators, plasterers and carpenters and on such as ice cream vans and outsider catering vans.

Insurance companies have developed their van insurance products to offer key benefits. Some of these benefits will be more important to you than others. Some are specifically targetted for business van insurance. Some benefits may be optional (such as Legal cover, Emergency replacement van cover and No claims discount protection) and could have an impact on the premium amount you pay, up or down, whilst others will be built into the product.

Cashflow may be important for your business. Some insurance companies will offer flexible payment terms for their insurance product. For example a one-off payment by cash, cheque or credit or debit card or the option to spread the costs over a number of installments. These installments may be over less than 12 months so in effect you have a 'payment holiday' during the 12 month period. Often there is a low rate of interest applied for spreading the cost of cover. A benefit from an insurance company may be the option to spread the payment at no extra cost.