Van insurance

Yes

Van insurance premiums are fully deductible as a business expense for sole traders who use their van solely for work. If you also use the van personally, you can only claim the business-use proportion.

Common questions

Can I claim van insurance as a sole trader?

Yes. If the van is used exclusively for business, the full premium is deductible. Keep the insurance certificate and bank records as evidence.

I use my van for both work and personal trips. Can I still claim?

Yes, but only the business-use proportion. Work out the percentage of miles driven for business versus personal use and apply that to the premium.

Watch out for

Breakdown cover added to the policy is also deductible as part of the same premium.
If HMRC disputes the split, mileage logs are the strongest evidence.

This guidance is for sole traders. Limited company rules differ.

HMRC sources

https://www.gov.uk/expenses-if-youre-self-employed/travel

Last verified: July 2026 · Tax year 2026/27

Related expenses

Fuel costs Van purchase Vehicle repairs and servicing

Track vehicle expenses in TrameStart free

This guidance is for general information only. Tax rules change. Verify with HMRC or a qualified accountant before filing.

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