You will need an operators’ licence to carry goods connected with any business or trade, if your vehicle is over 3.5 tonnes, however certain exemptions apply. For further information regarding exemptions you can visit the Gov.uk website here.
Archives: FAQs
Will my haulage insurance policy restrict the use of my vehicle?
Most heavy goods vehicles are used solely for haulage or delivery purposes but we understand that not everyone’s requirements are the same. Nova Insurance will search a panel of insurers and underwriters to find you the most competitive premium based on your use and can often include the use of the vehicle.
Are Nova Insurance regulated?
Nova Insurance and our panel of UK insurance providers are fully regulated by the Financial Conduct Authority. So why not start by filling in our form today to see if we could help save you money on your next insurance quote or insurance policy.
Do you insure single and double cab pick-ups?
Yes, we can offer a quote and cover for both single and double cab pick ups.
What is Insurance Premium Tax (IPT)?
Insurance Premium Tax (IPT) is a tax on general insurance premiums, introduced by Kenneth Clarke in the 1993 Budget, and set by the Government. All quotes and premiums will include IPT at the current rate.
Do you offer quote for couriers?
No, we don’t offer cover for couriers.
Do you cover me if i only use my van for personal use and not for business?
Yes. When you start an online quote, if you don’t use your vehicle for business use, then simply select “Social and commuting” when asked the question “What do you use the van for?”.
Can i get my van insured under my company name?
We do not offer quotations in a company name. The main driver must be the policyholder, the owner and registered keeper of the vehicle.
How can I check if I am on the Motor Insurance Database?
You can check if your vehicle shows on the Motor Insurance Database at: http://askmid.org.uk/
Can I change my direct debit date?
Only once your first direct debit payment has been taken successfully will you be able to change your direct debit dates. The available dates are 1, 11 and 21 of each month. Dates outside of these are not acceptable. To request a direct debit date change, please email us on info@nova-insurance.com.