vans for hire

we were suppose to go to Divisoria today, but unfortunately i forgot that the car is coding day - 3 for tuesday. oh my! so i suggested that if my mom wants we can still go, commute way. since there are many vans and suv's that are available for rent from divisoria to cavite. but mom refuses the idea, since we need the car readily available for us after buying things from one store to another, baggage counter in other words! so it was canceled, maybe in the first week of november we will go.
anyways, speaking of vans for hire, do you know that in UK there is a separate insurance policy for big vehicles such as vans and SUV's? well yes there is, for as long that it is for business purposes like for rent or being used as school bus or delivery vehicle. meaning, there is a different coverage for it since it is being used in a higher level as others would say. so people there who owns one for their business purposes are responsible for getting it insured since it is one of the requirements thus they are into looking for Commercial Van Insurance that offers great deals.
i don't know for us here in our country, but for me, i think it is one good idea that we set a different insurance policy for those vehicles being used for business purposes. what do you think?