Can I use my van for personal use on a business policy?
Yes, in most cases. Business van insurance normally includes social, domestic and commuting use as well, so you can drive the van for personal trips as standard.
How business policies usually work
Classes of use are layered, with higher levels including the ones below them. A business-use policy typically covers more than just work driving.
- Business use (carriage of own goods): work journeys and carrying your own tools.
- Plus commuting: travel to your regular workplace.
- Plus social, domestic and pleasure: shopping, family and leisure trips.
This means most tradespeople can use their work van for the school run or weekend trips without a separate policy.
Always check your certificate
While business use commonly includes personal driving, the exact wording on your certificate of motor insurance is what counts. Read the class of use stated there, and if social or domestic use is not listed, ask your broker to confirm or add it. Don't assume. Comparing quotes also lets you check that a policy covers both your work and personal driving before you buy.
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Does business use cover my family driving the van?
Only if those drivers are named on the policy. Personal use by you is usually included, but additional drivers must be declared.
Is personal use ever excluded from business cover?
Occasionally. Some policies cover work driving only, so always check the class of use printed on your certificate.
Do I pay extra to add social use to a business policy?
Often it is already included, but if not, adding social and domestic use is usually a small adjustment your broker can arrange.