My brother works in insurance and they are a law unto their own. Two Semi bungalows down south, one had insurance the other had no insurance. The one that had insurance, thatch roof caught fire and both burned to the ground. I expected the one with insurance would pay out and rebuild both homes. No, they only built the one that had insurance the old woman in the other ended up homeless. The neighbours all chipped in and bought her a portacabin which sits where her home once stood. Now, everyone on here will say that's not right But its the way insurance works, they have their own laws.
What I'm getting at is this :- They like to take money but only query things when they have to pay out. If they can find a loop hole in our insurance then they will not pay out. So when you take insurance, you better tell them everything you are using the van for or it might come back to haunt you like the old woman who once had a thatch semi bungalow. fwiw