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Can I insure my van as private and tax it as a commercial?

Can I insure my van as private and tax it as a commercial?

Can I insure my van as private and tax it as a commercial?

Filed under tax private insurance - Asked by Peter - Fri, 08 Oct, 2021

Answered by: Shane O' Donoghue - Complete Van Advisor - @shane_o_d

Answer

Hi Peter,

I guess that might be possible, but an insurance company won’t be happy if the vehicle is actually being used for commercial purposes. Likewise, if you’re doing this to keep the tax down, you can’t use the vehicle for any non-commercial reasons - there are hefty fines if you’re caught doing so.

Finally, it’s not very easy to insure a commercial vehicle as a private individual, so that could well be your biggest stumbling block.