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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…
Electric Van Insurance
Electric Van Insurance
Business van cover built for electric vans, with battery cover and specialist repairs, for tradespeople, delivery firms and fleets going electric.
Business van cover built for electric vans, with battery cover and specialist repairs, for tradespeople, delivery firms and fleets going electric.
Enter your vehicle registration
Battery coveredAny driver optionsEV-trained repairers
Compare from 20+ Insurers
Talk to a specialist 0330 808 1404
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What is electric van insurance?
Electric van insurance is business van cover written for battery-electric vans. It works like any commercial van policy, with a class of use for your trade or deliveries, but adds cover for the battery and the specialist repairs electric vans need after an accident.
An electric van is often worth more than its diesel equivalent and costs more to repair, so make sure the sum insured and repairer network reflect that.
Your electric van insurance depends on:
Van make, model and battery sizeWhere it charges and parksClass of useDriver arrangementAnnual mileageNumber of vans
Electric van cover for the way you work
Electric van cover for the way you work
Electric vans are rated on the same classes of use, with a few extra things to check.
Electric vans are rated on the same classes of use, with a few extra things to check.
Tradespeople
Electricians, plumbers and builders running an electric van with tools on board.
Delivery Businesses
Urban delivery firms switching to electric for low-emission zones.
Self-Employed Drivers
Sole traders using a single electric van for their own work.
Small Multi-Van Businesses
Companies running a mix of electric and diesel vans.
Electric Fleets
Businesses converting whole fleets to electric with depot charging.
What type of van use do you need?
The class of use works the same for electric vans as for diesel. Choose the closest match. If you’re paid to deliver other people’s goods, you’ll need courier van insurance instead.
One electric van or several?
Whether you run one electric van or are converting a fleet, cover can sit on one policy.
Protect more than just the van
Electric vans bring a few extras worth checking your policy covers.
How electric van insurance differs from diesel
How electric van insurance differs from diesel
Most of a business van policy works the same whatever powers the van. These are the parts that change for an electric van.
Most of a business van policy works the same whatever powers the van. These are the parts that change for an electric van.
| What’s different | Electric van | What to check |
|---|---|---|
Battery pack | Usually the highest-value component | Check accident, fire and flood cover extends to the battery |
Running out of charge | Treated like running out of fuel by some insurers | Choose breakdown cover that includes recovery to a charge point |
Repairs | Specialist EV-trained repairers | Ask which repairer network the insurer uses and how long repairs take |
Sum insured | Higher purchase price than diesel | Make sure the agreed or market value reflects what the van cost |
Class of use | Trade use or carriage of own goods | Exactly the same rules as a diesel van |
Low-emission zones | Congestion and clean air charges | Not an insurance matter, but a common reason firms switch |
Top Tip
Ask your insurer whether the battery is covered for gradual loss of capacity. Most policies cover accidental damage only, and treat battery degradation as wear and tear.
How to insure an electric van
How to insure an electric van
Tell us about the van, how you use it and where it charges, and we’ll compare specialist insurers.
Tell us about the van, how you use it and where it charges, and we’ll compare specialist insurers.
1
Tell us about your van
Make, model, battery size and value.
2
Share how you use it
Trade or delivery work, mileage and drivers.
3
We compare specialist insurers
We search insurers who price electric vans on the actual risk.
4
Get covered and charging
Choose your policy and you will often receive your documents the same day.
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.
Electric van guides
Electric van guides
Practical advice for businesses running or switching to electric vans.
Practical advice for businesses running or switching to electric vans.
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Electric van insurance FAQs
Electric van insurance FAQs
Straight answers on batteries, charging, cost and cover for electric vans.
Straight answers on batteries, charging, cost and cover for electric vans.
Often slightly, because electric vans cost more to buy and repair and battery packs are expensive to replace. The gap is closing as insurers gain claims data, and prices vary a lot between insurers, so comparing the market matters.
Still have questions?
Our advisers are here to help you find the right solution.