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Commercial vehicle insurance - Laws

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Vans used for travelling to or from a place of work or used as personal transport will be viewed as a benefit in kind. This will make the user of the van liable for additional income tax charges. As with all motor vehicles using UK roads vans must have suitable commercial vehicle insurance cover. Motor insurers usually issue three cover documents to this end :

- The Certificate of Insurance. This is evidence of your commercial vehicle insurance.

- A Cover Note. This acts as a temporary policy and as a temporary certificate of cover.

- The Policy Documtation. This sets out in full the terms & conditions of your policy.


Make sure you read your policy carefully and in detail. There should be no small print or difficult to understand language in modern policy documentation.