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Business Van Insurance Explained: What Cover Do You Need?
If you use a van for work, having the right insurance is essential. Whether you are a sole trader, tradesperson, delivery driver or run a business…
BuildersVan Insurance
Builders Van Insurance
Cover built around how builders actually use their van, tools, materials and travel between sites.
Cover built around how builders actually use their van, tools, materials and travel between sites.
Enter your vehicle registration
Tools in TransitSite accessMultiple builders
Compare from 20+ Insurers
Talk to a specialist 0330 808 1404
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What is builders van insurance?
Builder van insurance is business van insurance built around how builders actually work: carrying tools and materials and travelling between sites. It covers the van itself, and your tools can be covered separately with Tools in Transit Insurance.
“A standard personal van policy usually won’t cover tools or materials, or the fact you’re using the van for work at all.”
The right cover depends on:
The value of tools and materials you carryWhether tools are ever left in the vanHow many sites you travel toYour driving and claims historyWhether you’re self-employed or have employeesWhether you carry your own materials or a customer’s
Is builder van insurance right for you?
Is builder van insurance right for you?
Builder van insurance suits anyone carrying tools, materials and equipment to site, whether you work alone or run a small team. It covers the van, and your tools can be covered separately with Tools in Transit Insurance.
Builder van insurance suits anyone carrying tools, materials and equipment to site, whether you work alone or run a small team. It covers the van, and your tools can be covered separately with Tools in Transit Insurance.
Sole Trader Builders
One van, one trade, straightforward cover for a single operator.
Small Building Firms
A handful of employees and one or two vans between sites.
General Contractors
Managing multiple trades and sites at once.
Renovation & Refurbishment
Frequent site changes and varied tool and material needs.
New Build Contractors
Larger sites, bigger loads and longer-term projects.
Growing Building Businesses
Adding vans or employees as work picks up.
What could go wrong on site, and what insurance covers it?
What could go wrong on site, and what insurance covers it?
Builders face road, tool and site risks at once. These are the claims we see most, and what covers each.
Builders face road, tool and site risks at once. These are the claims we see most, and what covers each.
Your tools are stolen overnight or while parked on site.
Who needs builder van insurance?
This type of cover may be suitable for a wide range of building and construction work.
This cover may be suitable for:
Self-employed buildersRenovation specialistsSmall building firmsBuilders with more than one vanGeneral and sub-contractorsBuilders employing other driversCover built around your tools and trade
Cover built around your tools and trade
Tools are a builder’s livelihood, and standard van cover doesn’t protect them. These covers do.
Tools are a builder’s livelihood, and standard van cover doesn’t protect them. These covers do.
RecommendedTools in Transit Insurance
Cover for your portable tools while they’re in the van and during loading and unloading. Building materials are not included.
RecommendedComprehensive Van Cover
Full protection for your van against accidental damage, fire and theft.
RecommendedBreakdown & Hire Vehicle
Keep working with roadside assistance and an optional replacement van.
Multiple Driver Options
Add employees or subcontractors as named or any-drivers.
Goods in Transit
Optional, separate cover for materials in transit. Speak to us about whether it’s available for your work.
Legal Expenses
Optional support with legal costs following an incident.
How the quote process works
How the quote process works
Simple steps, expert advice. The right cover for your business.
Simple steps, expert advice. The right cover for your business.
1
Tell us about your van
The vehicle, its value, and whether it’s signwritten or modified for site work.
2
Tell us about your tools and materials
What you carry overnight, and whether you need Tools in Transit Insurance alongside the van.
3
We compare trade van insurers
Insurers who understand building sites, early starts and tools stored in vehicles.
4
Choose your cover
We explain the options in plain terms and set up your policy, with no obligation.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by tradespeople and businesses across the UK
Trusted by tradespeople and businesses across the UK
From a single tradesperson’s van to a growing fleet, our customers trust Insurance Revolution to find the right cover and expert support.
From a single tradesperson’s van to a growing fleet, our customers trust Insurance Revolution to find the right cover and expert support.
Builder van insights & guides
Builder van insights & guides
Practical advice on Tools in Transit Insurance, business use and choosing the right van policy.
Practical advice on Tools in Transit Insurance, business use and choosing the right van policy.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about builder van insurance, Tools in Transit Insurance and carrying materials.
Find quick answers to common questions about builder van insurance, Tools in Transit Insurance and carrying materials.
Builder van insurance is business van insurance built around building and construction work. It covers the van itself. Your tools can be covered separately with Tools in Transit Insurance, but building materials are not covered by it.
Still have questions?
Our advisers are here to help you find the right solution.
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