Commercial motor insurance is a legal requirement, unlike the other forms of business insurance. It is essential that you have the appropriate motor insurance in place, even if you use your own personal vehicle to carry out your business.
If you use a vehicle to carry out your business, you must discuss this with your motor insurer. Personal vehicles are usually insured for Social, Domestic, and Pleasure use only, which may include commuting to work for an employer but would typically not include any use for commercial purposes.
If you use your own personal car for carrying out your business, you may need insure it for Class 1 or Class 2 business use. If you have a business vehicle, you may need commercial motor insurance. Van insurance is a specific form of motor insurance which you may require if you use a van in carrying out your business.
It is essential that you re upfront with your insurer in how you use your vehicle, as if you fail to do so, you may not be covered in the event of an accident.