GardenersVan Insurance

Gardeners Van Insurance

Cover built around how gardeners actually work, equipment, machinery and travel between jobs.

Cover built around how gardeners actually work, equipment, machinery and travel between jobs.

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Mowers & strimmers
Trailers declared
Seasonal work
Compare from 20+ Insurers

From a single mower to a fully equipped van, we've got you covered

Talk to a specialist 0330 808 1404

Allianz
Granite Underwriting
Inshur
Aviva
Jensten Insurance Brokers
ERS
Bond Lovis
QBE
Victor
Admiral business
Axa
Highway
Collingwood
Zurich
KGM
Ageas
NIG
Sabre
DCL
Allianz
Granite Underwriting
Inshur
Aviva
Jensten Insurance Brokers
ERS
Bond Lovis
QBE
Victor
Admiral business
Axa
Highway
Collingwood
Zurich
KGM
Ageas
NIG
Sabre
DCL

What is gardener van insurance?

Gardener van insurance is business van insurance built around gardening and grounds maintenance work, covering equipment and machinery carried between jobs, not just the vehicle itself.

“A standard personal van policy usually won’t cover garden equipment or the fact you’re using the van for work.”

The right cover depends on:

The value of tools and machinery you carry
Whether equipment is ever left in the van
How many sites you travel to
Your driving and claims history
Whether you’re self-employed or have employees
Whether you carry customer green waste
A man getting into a car outside an office building

Cover that fits gardening work

Cover that fits gardening work

Gardening and landscaping work often needs more than one type of cover working together.

Gardening and landscaping work often needs more than one type of cover working together.

Tools & Equipment CoverRecommended

Tools & Equipment Cover

Protection for mowers, strimmers and hand tools used in your trade, subject to the level of cover chosen.

Comprehensive Van CoverRecommended

Comprehensive Van Cover

Full protection for your van against accidental damage, fire and theft.

Public LiabilityRecommended

Public Liability

Cover if your work causes injury or property damage, often expected by clients.

Employers’ Liability

Employers’ Liability

A legal requirement if you employ other gardeners.

Breakdown & Hire Vehicle

Breakdown & Hire Vehicle

Keep working if your van breaks down, with optional replacement vehicle cover.

Goods in Transit

Goods in Transit

Optional cover for green waste or materials belonging to a customer while in transit.

What affects the cost of gardener van insurance?

Gardener van insurance depends on your van and any trailer, the mowers and power tools you carry, your mileage and working area, overnight security and your claims record.

Gold outline icon of a crossed wrench and screwdriver on a transparent background.

Value of tools and machinery

Higher-value mowers and machinery can increase your premium.

Where the van is kept overnight

Van insurers may consider whether the van is kept at home or on business premises.

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Level of cover

Third party, third party fire & theft or comprehensive cover all affect price differently.

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Level of excess

Choosing a higher voluntary excess could reduce your premium.

Number of vans and drivers

More vehicles or drivers on your policy can affect the overall cost.

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Claims history

Previous claims or convictions can affect the cost of your policy.

Employing seasonal or full-time gardeners?

Employing seasonal or full-time gardeners?

If you're taking on staff, you'll also need Employers' Liability insurance, it's a legal requirement, separate from your van cover.

If you're taking on staff, you'll also need Employers' Liability insurance, it's a legal requirement, separate from your van cover.

Landscapers build a stone patio and plant beds in a landscaped backyard, with workers laying pavers, using a wheelbarrow, and gardening.
A man getting into a car outside an office building

Is gardener van insurance right for you?

This type of cover may be suitable for a wide range of gardening and grounds work.

This cover may be suitable for:

Self-Employed Gardeners
Tree Surgeons
Small Gardening Firms
Employers of Seasonal Staff
Landscaping Contractors
Growing Gardening Businesses

What could go wrong, and what covers it?

What could go wrong, and what covers it?

The claims van-based trades make most often involve accidents on the road, tools stolen from the van overnight, damage to a customer’s property while working, and injury to someone on site.

The claims van-based trades make most often involve accidents on the road, tools stolen from the van overnight, damage to a customer’s property while working, and injury to someone on site.

Equipment stolen

Mowers or power tools are stolen from the van overnight.

Cover required

Tools & Equipment Insurance

Accident on the road

You’re involved in a collision while travelling between jobs.

Cover required

Comprehensive Van Insurance

Damage at a client’s garden

You accidentally damage a client’s property or garden while working.

Cover required

Public Liability Insurance

Employee injury

A gardener you employ is injured on the job.

Cover required

Employers’ Liability Insurance

Advisers discussing van insurance cover

Why use Insurance Revolution for gardener van cover?

We help gardeners and landscapers find van cover suited to the equipment, machinery and driving patterns of the trade.

Specialist trade van insurers
Cover for tools and machinery
Help understanding policy options
Experienced UK advisers
Support for sole traders and firms
Multiple vehicle and driver support

How the quote process works

How the quote process works

Simple steps, expert advice. The right cover for your business.

Simple steps, expert advice. The right cover for your business.

1

Tell us about your van

The vehicle, its value, and whether you tow a trailer for equipment.

2

Tell us about your equipment

Mowers, strimmers and hand tools carried or stored in the van.

3

We compare trade van insurers

Insurers who cover seasonal work, trailers and garden machinery.

4

Choose your cover

We explain the options in plain terms and set up your policy, with no obligation.

We're with you all the way

UK-based specialist advisers
Access to specialist insurers
No obligation, just expert help

Trusted by tradespeople and businesses across the UK

Trusted by tradespeople and businesses across the UK

From a single tradesperson’s van to a growing fleet, our customers trust Insurance Revolution to find the right cover and expert support.

From a single tradesperson’s van to a growing fleet, our customers trust Insurance Revolution to find the right cover and expert support.

Gardener van insights & guides

Gardener van insights & guides

Practical advice on tools cover, business use and choosing the right van policy.

Practical advice on tools cover, business use and choosing the right van policy.

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Frequently Asked Questions

Frequently Asked Questions

Find quick answers to common questions about gardener van insurance and cover for tools and equipment.

Find quick answers to common questions about gardener van insurance and cover for tools and equipment.

Gardener van insurance is business van insurance built around gardening and grounds maintenance work, including cover for tools and machinery, subject to the level of cover chosen.

Still have questions?

Our advisers are here to help you find the right solution.

Need cover for tools as well as the van?

Need cover for tools as well as the van?

Add Tools in Transit Insurance so your tools are covered while they’re in the van and during loading and unloading.

Add Tools in Transit Insurance so your tools are covered while they’re in the van and during loading and unloading.

White work van with side door open, revealing organized shelves, toolboxes, and equipment storage in the cargo area.