Originally Posted by Dan

Can depend on your usage. Many insurers will insure a van for SD&P without business use - as quite a few people buy them for carrying crap around in.

Unless you're using the vehicle commercially, for a business, you should not insure it as such, or you may find the insurer asks awkward questions in the event of an accident.

I may be wrong in my inference, but I'm guessing you're thinking that you insure the van in your mum's name with her NCD, then you drive it but not as 'the main driver'. Be warned, not only is this illegal as it is insurance fraud, and the insurers are pretty switched on to the parent/child insurance policy (unless you genuinely are NOT the main driver - ie the majority of miles put on the vehicle must be by the policyholder - and it is up to YOU to prove this if the insurer queries it, not for them to prove) but you won't get transportable NCD as a named driver, only as the policyholder. Some insurers will issue NCD to named drivers, but to my knowledge it only counts if you subsequently take a policy out with the same insurer - you can't as far as I know transfer named driver NCD to another insurer.