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When brokers or insurance companies specialise in commercial vehicle insurance, you're likely to be able to insure your van for less. With a large group of commercial vehicles insured together, the risks are shared equally. If you go to a "traditional" insurer, it's likely to load the premium to deal with extra risks of valuable cargo being damaged in an accident or stolen, a larger vehicle more likely to be damaged backing into and out of loading bays, and so on.