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Distinguishing between standard car insurance and van specific insurance is important when you come to purchase a policy. Without the correct cover for the specific vehicle you drive, your policy may be invalid. So what separates the two? – if you have a look at the manufacturer’s specifications of your vehicle, this should tell you if it’s classed as a car or a van. If the brochure describes it as a commercial or business use vehicle then you know that it’ll be classed as a van for insurance purposes. Your vehicle log book should also state the classification, and if your vehicle category is listed as either N1 or N2 then your vehicle is a van and you’ll need to arrange the appropriate Insurance cover. An insurance provider can also check on your behalf to see if your vehicle is categorised correctly.
Insurance is a legal requirement if you’re using a van on the road. Having specific van cover for the whole period that you own the vehicle is mandatory by insurance enforcement regulation. Even if your van is not in use and is parked idle in your driveway, legally it still must be insured. The only exception to this is if you’ve sought a statutory notice from DVLA (SORN). So if it’s a transit, a crew cab, a pick-up or a tipper that you drive, you’ll need to arrange van insurance, UK to drive your vehicle legally and with the peace of mind that you are properly insured.