Can I insure my van as a car?
It almost goes without saying, but a van is not a car and a car is not a van – you cannot insure a van as a car or vice versa. Although this may seem reasonably clean cut, the whole ‘van / car’ debate is not without grey areas.
For example; some large family ‘cars’ are actually classed as LCVs (Light Commercial Vehicles) whilst many double-cab pick-ups have the functionality and payload capacity of a commercial van – 1 tonne, but all the comfort and luxury features of a car.
Classification
This issue is complicated further by the purpose for which the vehicle is being classified. Vehicles can be classified by:
Manufacturers for sales and marketing purposes
HMRC for taxation purposes
Insurers for insurance purposes
