Once you’ve decided this, then you should consider what you use the van for:
Standard van insurance generally provides basic cover for your van, however it can also include contents cover for belongings you keep in the van.
Courier cover is for vans used to carry and deliver other peoples’ goods. The policy reflects the extended amount of time the van is on the road, but doesn’t usually cover the goods themselves
A goods-in-transit policy will cover the items or cargo you’re transporting. However, you’ll be required to tell your insurer about the items, especially if they’re valuable or dangerous. You can only carry the type of goods your insurer has agreed to cover.
You can insurer your own goods or tools (carriage of own goods) or delivering for someone else (a haulage or hire and reward policy), providing you have explained that to your insurer. Get more information on business van insurance.
Pick-up trucks aren’t covered by car insurance, but they can come under van insurance with pick-up truck cover.