Does UK van insurance cover driving in Europe? A UK policy normally provides at least the minimum cover required in specified countries, but comprehensive cover, trip length and business use abroad depend on the policy. Check the territorial limits before travelling.
Read the country list
Do not treat “Europe” as one insurance territory. Confirm every country you will enter, including transit countries. Rules can differ for places outside the EU and for longer stays.
Business use abroad
Carrying your own tools to a job, delivering goods and transporting customers’ property can require different permissions. Tell the insurer what work you will do and whether the van returns to the UK.
Documents and proof
Take the insurance certificate and any documents required for the vehicle, driver and countries visited. A UK identifier, international driving permit or green card may be needed in some circumstances; check current government guidance close to departure.
Breakdown, goods and equipment
Breakdown assistance, tools and goods-in-transit cover are separate from the basic motor policy. Check recovery limits for a commercial van and the cost of bringing the vehicle and load home.
Useful official guidance: vehicle insurance, SORN, MOTs and driving abroad.