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Business Vehicle and Van Insurance

Keeping your business on the road

Sole trader or company. What’s the difference?

Sole trader

You’re the owner (or owners) but there’s no legal difference between you and your business. So you registered the vehicle in your name. This means you’ll need sole trader cover.

Company

You’re a director of your company. So when you bought a vehicle, you registered it in your company’s name. For this, you’ll need company cover.

Why do I need Business Vehicle Insurance?

You'll need our Business Vehicle and Van Insurance if you use your van for any kind of work reasons, like driving to and from a job site or using it to help run your small business.

The van can be registered in your company's name or, if you're a sole trader, registered in your own name.

What’s included

We want you to be completely confident your policy covers everything you need it to. Our motor policy booklet (PDF 256KB) shows you all the risks we cover and benefits we deliver. Here are some of the highlights.

24/7 accident and claims helpline

Call our UK helpline following an accident and we can arrange for someone to come out and help. We will also start your claim moving. Footnote [1] 

Uninsured driver promise

If you’re hit by an uninsured driver and it wasn’t your fault, your no claim discount won’t be lost and we’ll refund any excess you’ve had to pay. You’ll need to provide us with details of the other vehicle and driver.

24-hour pickup

With comprehensive cover if your van is not safe to drive, we’ll arrange to get you to your destination, and deliver your van to a repairer. Footnote [2] 

Benefits to free you from worry and hassle

Repair and guarantee

Following a claim we guarantee the quality of repairs made by our approved repairers for as long as you own your van, even if you change insurers.

Parts are covered for the length of the guarantee given by the part manufacturer or supplier. Wear and tear is not covered. You must keep your vehicle roadworthy.

Up to £500 tool cover

The tools you keep in your business vehicle or van are covered up to the value of £500 with our comprehensive insurance. We won't cover loss or damage arising from theft not involving forceable entry to your van.

Passenger cover for your colleagues

Not all commercial vehicle policies will allow you to carry passengers, but ours does. So you’re still covered if you give a colleague a lift to the office or a site.

Replacement car and van options available

When you’ve got our comprehensive cover, we’ll supply replacement vehicles so your business can stay on the road.

Simple claims

With our straightforward online claims process and 24/7 claims helpline, making a claim just got easier.

Get more with our Business Vehicle Insurance

From injury to you or your passengers to chipped windscreens, our Business Vehicle Insurance protects you when you’re behind the wheel. Whether you choose our comprehensive or third-party, fire and theft cover, you could drive away with some of our optional extras – including:

What isn’t covered?

Like most Business Vehicle Insurance policies and Van Insurance policies, we can’t cover you if your car or van is being used for purposes that aren’t under the description of use, or your vehicle is being driven by a driver your policy doesn’t cover. To make sure you're covered if you have to claim, take a look at our motor policy booklet for our full list of exclusions (PDF 256KB).

Get a quote online

Sole trader

Protect your business vehicle so you can get from A to B without worry.

Company

Insure your company vehicle today and get a quote in minutes.

Got a question?

We answer some of the most frequently asked questions about Business Vehicle Insurance.

Please call us on 0345 030 8870 ^ to change your address, registration number or payment details with your information to hand and we’ll update your records for you.

We reserve the right to charge an administration fee for any midterm changes to your policy, please see your policy documents or product terms and conditions for more information.

If your policy’s due for renewal, the renewal schedule or letter should count as evidence of your no claim discount (NCD) for your next insurer.

If you cancel at any other point, and have been insured with us for more than a year, we’ll automatically include proof of your NCD with your cancellation letter. If you’d prefer this via email, you can request this when you cancel.

If you’ve been with us for less than a year, we’ll send you a separate letter confirming how long you have been claim free for.

Please call us on 0345 030 8870 ^ if you’ve already cancelled your policy and no longer have your documents.

You can choose to transfer your personal NCD to your business vehicle insurance policy. If your business trades as a registered company, you cannot transfer it back to your personal policy, the transfer will be permanent and your NCD will belong to your business. However, if you operate as a sole trader, you can transfer it back to your domestic vehicle policy.

Driving other cars (DOC) cover only applies to the vehicle policy holder and can be provided for drivers who:

Applicable drivers can drive any other cars, third party only, with the permission of the owner that are not owned by or registered to them. Short-term cover is excluded.

For cover limits, exclusions and further information please review your policy documents.

Please call us on 0345 030 8870 ^. If you're adding a driver, we'll need to know the driver's details including information about any claims or motoring convictions before we can give you a quote. If you’re changing your vehicle, there may be a change to your premium - this will depend on your new vehicle details.

Please call us on 0345 030 8870 ^ if you want to make a temporary change or you’re approaching your renewal date.

If you’ve got more than 1 business vehicle, you can get up to 10% off your commercial vehicle insurance with our Multi Car policy Footnote [4]. Discount doesn't apply to optional extras. You can even choose different levels of cover and excess for each individual vehicle.

Got more than 5 vehicles? Get a quote through a broker

Important documents

Motor Insurance Policy Booklet (PDF 255 KB)

Insurance Product Information Document (PDF 83 KB)

Important Information Document (PDF 104 KB)

Need some help?

If you’ve got a question about our Business Vehicle Insurance or you’d like to find out more, give us a call and our team will be happy to help with your query.

General queries 0800 051 2382

24/7 claims helpline 0800 246 876*

*For your protection and ours, calls to and from Aviva may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free of charge. Calls from outside the UK may be charged at international rates.

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24/7 available for new claims only.

Onward travel arranged on comprehensive cover. Geographical restrictions apply.

If you’ve already got Van Insurance with us you can add breakdown cover to your policy. Or, you can have breakdown cover by itself. Standalone rescue cover only applies to vehicles up to a certain weight.

Excludes Aviva Online, Aviva Premium and Aviva Zero car insurance products. Up to 5 vehicles can be insured under one policy and must be registered at the same address. Discount not available in addition to any existing multi product discount.

^For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles.

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