Fill in the form and we'll be in touch — usually within one working day.
No obligation · 100% free · Reply within 1 working day
If you use a van, truck, pickup or any other commercial vehicle in Spain for your business or as a self-employed tradesperson, you need commercial vehicle insurance — not standard car insurance. Using a private car policy for business deliveries or trade work is a common cause of voided claims.
Any vehicle used for business purposes — transporting goods, tools, equipment, or in connection with a trade — requires a commercial policy. This includes:
The legal minimum for all vehicles on Spanish roads. For commercial vehicles, minimum liability limits are typically higher than for private cars, reflecting the greater potential for damage by larger vehicles.
Covers the goods, tools or equipment you are carrying in the vehicle. This is a separate extension to the vehicle insurance — if you carry clients' property or expensive tools, this cover is essential.
Accidental damage, fire, theft and vandalism to the commercial vehicle. For tradespeople, the van is often their most valuable business asset — comprehensive cover is strongly recommended.
A specialist extension covering hand tools, power tools and portable equipment kept in the vehicle against theft and accidental damage.
If you operate two or more vehicles for your business, fleet insurance covers all vehicles under a single policy. Fleet discounts typically apply from 3+ vehicles.
Third-party commercial van insurance starts from approximately €350–€500/year for a small van driven by a single named driver with a clean licence. Fully comprehensive cover including tools extension for a typical tradesperson's van ranges from €700–€1,400/year.
Yes. Named driver policies cover specific listed individuals and are usually cheaper than any-driver policies. Any-driver policies cover anyone authorised to drive your business vehicle — useful for businesses with multiple employees sharing vehicles.
Provided the employee is listed on the policy or the policy covers any authorised driver, yes. If an unlisted employee was driving without authorisation, the insurer may reject the claim.
Yes — they are separate products. Vehicle insurance covers the van; goods in transit covers what's inside. If you carry clients' property or high-value goods, goods in transit cover is essential.
Spanish-registered vehicles must be insured with a Spanish-licensed insurer. If your business is registered in Spain, your vehicles must carry Spanish plates and Spanish insurance within 30 days of registration.
