Van Insurance

Home
Van Insurance

VAN INSURANCE

What Is Van Insurance?

Van Insurance provides cover for vehicles used for business purposes, protecting against financial loss arising from accidents, theft, fire, or third party claims as part of a wider commercial insurance and business insurance Ireland solution.

It is specifically designed for vans and light commercial vehicles that are used as part of daily business operations in Ireland

Designed for Business-Use Vehicles

This policy covers vehicles used for:

Transporting goods or tools

Making deliveries

Providing on-site services

Business travel between locations

Key Benefit

Commercial Van Insurance ensures your business stays legally protected and financially secure. One incident on the road should never be enough to stop your work.

Who Needs It

Commercial Van Insurance is suitable for:

If a vehicle is used for work purposes, standard private motor insurance is typically not sufficient. Operating under commercial insurance Ireland, these businesses require a dedicated commercial policy.

Important: Using your van for business without a commercial policy can leave you fully unprotected and invalidate any claim. Private motor insurance does not cover business use.

HOW IT WORKS

(Get covered in 3 Simple steps)

This is a title

What Cover Do You Need?

Enter your van details and tell us the type of business use and the level of cover you require.

Tell Us About Yourself

Share your contact details and driving history so our advisors can compare the right options for you.

Speak to an Expert

Our trusted local insurance advisors will contact you directly with competitive van insurance quotes.

Coverage Options

Types of Van Insurance

Choose the level of cover that suits your business. Not sure which is right for you? Our advisors are happy to guide you.

Third Party Only

Legal minimum cover for third-party damage or injury
Covers injury or damage to other people or their property
Minimum legal requirement to drive commercially in Ireland
Does not cover damage to your own van
No cover for theft or fire
Best for : Low-value vans where own vehicle risk is accepted.

Third Party, Fire & Theft

Includes all third-party cover
Protects your van against fire damage and theft
More affordable than comprehensive cover
Does not cover accidental damage to your own vehicle
Best for : Mid-value vans used in lower-risk environments.

Comprehensive Cover

Includes own-vehicle damage, theft, and fire
Covers third-party claims
Covers your van even if you are at fault
Often includes windscreen cover and additional benefits
Best for : Businesses relying heavily on their van day-to-day.

Policy Details

What Is Covered and What Is Not

What’s Covered

What’s Not Covered

Optional Add-Ons

Tailor Your Van Insurance Policy

Enhance your policy with optional extras matched to how your business operates on Irish roads.

Goods in Transit Cover Protects items being transported in your van.

Breakdown Assistance Roadside support and recovery across Ireland.

Legal Liability Cover Assistance with legal costs following claims.

Windscreen Cover Repair or replacement of damaged glass.

No Claims Bonus Protection Preserve your discount even after a claim.

Named Driver Cover Add drivers for businesses sharing one van.

Claims Process

What Happens When You Claim

We guide you through every step, so your business gets back on the road as quickly as possible.

Accident Reporting

Immediate notification of incidents.

Repair and Settlement

Approved repairs and claim settlement.

Fleet Support

Dedicated assistance for multi-vehicle policies.

Premium Factors

What Influences Your Premium

Premiums are influenced by a number of factors. Understanding these helps you make smarter decisions at renewal.

Vehicle type and load capacity

Nature of business use

Routes travelled and geographic region

Driver age and experience

No claims bonus history

Security features on the vehicle

Why Irish Businesses Trust MM Advisors

Independent Advice: We work for you, not the insurer. Our job is finding the right policy for your business.

Regulated in Ireland: Fully regulated by the Central Bank of Ireland. C154250.

Commercial Expertise: We understand business van use and tailor advice to your specific trade and operations.

Dedicated Support: From first quote through to renewal and claims, our Galway team is here when you need us.

Trusted Insurance Partners

Our Insurer Panel

We work with a panel of trusted, regulated Irish insurers to find you the most competitive van insurance quotes.

Frequently Asked Questions

Do I need commercial van insurance if I only use my van occasionally for work?

Yes. Even occasional business use typically falls outside the scope of standard private motor insurance. If your van is used for any work-related purpose, even periodically, you should have a commercial van policy to ensure you are properly covered

Is van insurance compulsory in Ireland?

Yes. Third party insurance is the legal minimum required to drive any vehicle, including commercial vans, on Irish roads. Driving without insurance is a criminal offence.

Can I use my car with no claims bonus on a van insurance policy?

In some cases, yes. Some insurers will accept a car with no claims bonus on a van policy. This varies between providers, so it is best to speak with an advisor who can check which insurers on our panel will accept your existing no claims history.

What are goods in transit cover and do I need it?

Goods in transit cover protect the items you are transporting in your van if they are lost, damaged, or stolen in transit. If your business involves delivering goods or carrying tools or equipment, this add-on is strongly recommended.

What is a no claims bonus and how does it affect my premium?

A no claims bonus (NCB) is a discount applied to your premium for each year you drive without making a claim. The longer your claim-free history, the greater the discount. Protecting your NCB as an optional add-on can preserve this discount even after a claim.

Can I add multiple drivers to my van insurance policy?

Yes. Named driver cover allows you to add additional drivers to your policy. This is ideal for businesses where more than one person uses the same van. Each driver’s history may affect your premium.

Protect Your Business with the Right Insurance

Your business assets, vehicles, and income deserve proper protection.

Speak with one of our advisors, who will review your operations, compare the Irish market, and recommend commercial insurance and business insurance Ireland solutions that fit how your business works.