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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…
GardenersVan Insurance
Gardeners Van Insurance
Cover built around how gardeners actually work, equipment, machinery and travel between jobs.
Cover built around how gardeners actually work, equipment, machinery and travel between jobs.
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Mowers & strimmersTrailers declaredSeasonal work
Compare from 20+ Insurers
Talk to a specialist 0330 808 1404
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What is gardener van insurance?
Gardener van insurance is business van insurance built around gardening and grounds maintenance work, covering equipment and machinery carried between jobs, not just the vehicle itself.
“A standard personal van policy usually won’t cover garden equipment or the fact you’re using the van for work.”
The right cover depends on:
The value of tools and machinery you carryWhether equipment is ever left in the vanHow many sites you travel toYour driving and claims historyWhether you’re self-employed or have employeesWhether you carry customer green waste
Cover that fits gardening work
Cover that fits gardening work
Gardening and landscaping work often needs more than one type of cover working together.
Gardening and landscaping work often needs more than one type of cover working together.
RecommendedTools & Equipment Cover
Protection for mowers, strimmers and hand tools used in your trade, subject to the level of cover chosen.
RecommendedComprehensive Van Cover
Full protection for your van against accidental damage, fire and theft.
RecommendedPublic Liability
Cover if your work causes injury or property damage, often expected by clients.
Employers’ Liability
A legal requirement if you employ other gardeners.
Breakdown & Hire Vehicle
Keep working if your van breaks down, with optional replacement vehicle cover.
Goods in Transit
Optional cover for green waste or materials belonging to a customer while in transit.
What could go wrong, and what covers it?
What could go wrong, and what covers it?
The claims van-based trades make most often involve accidents on the road, tools stolen from the van overnight, damage to a customer’s property while working, and injury to someone on site.
The claims van-based trades make most often involve accidents on the road, tools stolen from the van overnight, damage to a customer’s property while working, and injury to someone on site.
Equipment stolen
Mowers or power tools are stolen from the van overnight.
Cover required
Tools & Equipment Insurance
Accident on the road
You’re involved in a collision while travelling between jobs.
Cover required
Comprehensive Van Insurance
Damage at a client’s garden
You accidentally damage a client’s property or garden while working.
Cover required
Public Liability Insurance
Employee injury
A gardener you employ is injured on the job.
Cover required
Employers’ Liability Insurance
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 you tow a trailer for equipment.
2
Tell us about your equipment
Mowers, strimmers and hand tools carried or stored in the van.
3
We compare trade van insurers
Insurers who cover seasonal work, trailers and garden machinery.
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.
Gardener van insights & guides
Gardener van insights & guides
Practical advice on tools cover, business use and choosing the right van policy.
Practical advice on tools cover, 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 gardener van insurance and cover for tools and equipment.
Find quick answers to common questions about gardener van insurance and cover for tools and equipment.
Gardener van insurance is business van insurance built around gardening and grounds maintenance work, including cover for tools and machinery, subject to the level of cover chosen.
Still have questions?
Our advisers are here to help you find the right solution.
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