The average cost of commercial van insurance in the UK depends heavily on how the vehicle is utilized for business operations. Policies covering the carriage of own goods (such as tools used by self-employed builders or plumbers) typically range from £450 to £600 annually. In contrast, high-risk commercial operations involving courier work, parcel delivery, or haulage services command significantly higher premiums ranging from £1,000 to over £2,500 per year due to elevated urban traffic exposure and high mileage risks.
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