Whether you can legally drive someone else’s van with your own insurance depends on several factors, including the terms and conditions of your insurance policy and the specific circumstances of your situation. Here are some key points to consider:

1. Permission: In most cases, you can only drive someone else’s van with your own insurance if you have the owner’s permission to do so. Driving someone else’s van without permission could invalidate your insurance coverage and leave you liable for any damages or losses.
2. Insurance Coverage: Check the details of your insurance policy to see if it provides coverage for driving other vehicles (DOC). Some insurance policies include DOC coverage as standard, allowing you to drive other vehicles with the owner’s permission. However, this coverage is usually limited and may not apply to vans or commercial vehicles.
3. Exclusions: Even if your policy includes DOC coverage, there may be exclusions or limitations that apply. For example, DOC coverage typically only applies to vehicles that are not owned by you, are privately owned, and are insured by another policyholder. It may not cover vans, commercial vehicles, or vehicles owned by businesses.
4. Type of Use: If you’re driving someone else’s van for business purposes, such as for work or delivery services, you may need additional insurance coverage. Personal insurance policies may not cover commercial use of vehicles, so it’s essential to check with your insurance provider to ensure you have the appropriate coverage in place.
5. Age and Experience: If you’re a young or inexperienced driver, there may be additional restrictions or requirements for driving someone else’s van with your own insurance. Some insurance policies may have age limits or require the van owner to be present when you’re driving.

It’s crucial to review your insurance policy carefully and contact your insurance provider to clarify any questions or concerns about driving someone else’s van with your own insurance. Failure to adhere to the terms and conditions of your policy could result in penalties, invalidated coverage, or legal consequences. If you plan to drive someone else’s van regularly, consider adding yourself as a named driver on the owner’s insurance policy or obtaining separate insurance coverage for the van.