Van and commercial vehicle accident claims
Help for tradespeople, couriers and business drivers after an accident that wasn't their fault.
- A replacement van
- Tools and stock
- Lost business
If you drive a van or commercial vehicle and another driver caused the accident, you can usually claim from their insurer for repairs or the vehicle's value, a replacement van, damaged tools or stock, and lost business. If you were injured, solicitors at NJS Law can look at an injury claim.
Last reviewed 15/10/2026
How we can help van drivers
Keeping your business moving after a non-fault accident.
A replacement van
A comparable van so you can keep working.
Replacement vehicles →Van repairs
Repairs with the cost recovered from the at-fault insurer.
Repairs →Tools and stock
Tools, equipment and goods damaged in the accident.
Lost business
Jobs, deliveries or contracts lost while you were off the road.
Uninsured losses →Van written off
Its pre-accident value, plus your other losses.
Total loss claims →Injury claims
Handled by solicitors at NJS Law, usually on a no win no fee basis.
Injury claims →Your own van or your employer's?
You can usually claim either way, but what you claim for is a little different.
Your own van
- Claim for the van, tools, stock and lost business
- A replacement van, if you need one
- An injury claim if you were hurt
Your employer's van
- Your employer usually deals with the vehicle
- You can still claim for your own injuries
- Personal belongings and lost earnings can usually be included
How a van accident claim works
We focus on getting you working again first.
- 01
Tell us what happened
We check the other driver was at fault and what you need.
- 02
Get back on the road
We look at a replacement van so you can keep working.
- 03
Add up your losses
Repairs, tools, stock and lost business.
- 04
Recovered from their insurer
Your losses are claimed from the at-fault driver's insurer.
What helps a van accident claim?
Records make business losses much easier to prove.
- Receipts or invoices for tools and stock
- Accounts, invoices or job sheets showing lost work
- Dashcam or telematics data
- Photos of the van, its load and the scene
- The other driver's details
- Witness names and phone numbers
Van and commercial driver FAQs
Can I get a replacement van?
If you need one for work, a comparable van can usually be arranged on credit hire while yours is off the road, with the charges claimed from the at-fault insurer.
Can I claim for lost business?
Yes. If the accident cost you work, jobs or contracts, those losses can usually be claimed. Accounts, invoices and job sheets help show what you've lost.
I was driving my employer's van. Can I still claim?
Yes. Your employer usually deals with the vehicle, but you can still claim for your own injuries, personal belongings and lost earnings.
Are damaged tools and stock covered?
Tools, equipment and goods damaged in the accident can usually be included in your claim. Keep receipts or photos where you can.
What if my van is sign-written or converted?
We'll look at what a comparable replacement means for you. Specialist or converted vehicles can take longer to match.
Van off the road after a non-fault accident?
Tell us what happened and we'll explain how we can help keep your business moving.
Every claim is different. Repairs and replacement vehicles are provided by independent companies we work with, and we'll tell you about any arrangement with them before you agree to anything.