Commercial vehicle insurance
Insure your vehicle in minutes online with our Commercial vehicle (own goods) cover.
Commercial vehicle insurance coverage options
Choose a cover level that suits your needs, with policy duration and payment options available.
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Third Party |
Comprehensive |
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Social, domestic, and pleasure (SD&P)
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Accidental or malicious damage to your vehicle
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Fire, flood, theft, and vandalism
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Windscreen cover
£750 excess for non-approved repairer |
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£50 for repair, £150 for replacement with approved repairer |
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Courtesy car
*Where available |
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Policy excess
Additional excess applies if incident not reported within 24h or on use of non-approved repairer, and for <25 year old drivers |
No excess applies |
£500 |
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No claims discount protection
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Optional, 4+ years |
Optional, 4+ years |
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Driving in the EU
SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle |
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Social, domestic, and pleasure (SD&P)
Accidental or malicious damage to your vehicle
Fire, flood, theft, and vandalism
Windscreen cover
(£750 excess for non-approved repairer)
Courtesy car
(*Where available )
Policy excess
(Additional excess applies if incident not reported within 24h or on use of non-approved repairer, and for <25 year old drivers)
No excess applies
No claims discount protection
Optional, 4+ years
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
Social, domestic, and pleasure (SD&P)
Accidental or malicious damage to your vehicle
Fire, flood, theft, and vandalism
Windscreen cover
(£750 excess for non-approved repairer)
£50 for repair, £150 for replacement with approved repairer
Courtesy car
(*Where available )
Policy excess
(Additional excess applies if incident not reported within 24h or on use of non-approved repairer, and for <25 year old drivers)
£500
No claims discount protection
Optional, 4+ years
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
Why INSHUR?
Our Commercial vehicle insurance is designed for tradespeople, including builders, plumbers, electricians and many more. Quote, buy, and renew your policy through our online Dashboard.
- Personalised quote in minutes
- SD&P coverage included
- 30-day or annual policy options
- In-full or monthly payment options
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Insurance that works around you
With INSHUR, you can customise your policy to fit your needs. Choose your level of coverage, opt for a 30-day or annual plan, and decide whether to pay in full or spread the cost with monthly payments.
What our customers say
Frequently asked questions (FAQs)
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Specifically designed for van drivers, our policies cover you for Carriage of Own Goods.
Carriage of own goods insurance is a type of business insurance that covers you for driving your van for business use while carrying items you need for work. It differs from other types of cover such as goods for hire or reward, haulage, and courier cover as it only applies to items you own or stock in your possession as part of your trade. Note INSHUR only covers the motor aspect so a separate goods in transit or tool cover policy is needed to cover any goods, tools, equipment or supplies.
Please note, our policies only cover your van. You’ll need a separate Goods in Transit or Tool Cover policy to insure goods, tools, equipment, and supplies.
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No. Our commercial vehicle policies provide motor cover only. This extends to permanently fitted accessories, but doesn’t insure the contents of your vehicle.
You’ll need a separate Goods in Transit or Tool Cover policy to insure any tools, goods, equipment, stock, or materials you store or transport in your vehicle.
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We allow you to carry goods for your own business use including parts, stock, supplies, samples, tools and equipment as necessary to carry out your occupation as a tradesperson.
This product does not allow the carriage of hazardous goods in quantities that require a licence from the relevant authority. This policy also does not cover scrap metal and palletised goods.
This product does not allow the carriage of goods for hire & reward (see our alternative Courier/Fast food product).
INSHUR only covers the motor aspect so a separate goods in transit or tool cover policy is needed to cover any parts, stock, supplies, samples, tools and equipment
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Yes, our commercial vehicle policies provide social, domestic, and pleasure (SD&P) cover as standard. So you can use your vehicle to run errands, pop to the shops, visit friends, and everything between.
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Your documents will be available to view and download once you have purchased a policy. Log in here to view.
Please be aware some documents can take a while to generate, if they don't appear try again after 30 minutes.