Van / Commercial Vehicle Insurance
Peace of mind that your policy meets your business needs, as well as your budget
Insurance for vans or commercial vehicles that have an overall gross vehicle weight of less than 3.5 tons.
Commercial vehicle insurance differs to that of a private car insurance policy and covers the carriage of your goods and tools used in the course of your business.
“It was a pleasure to talk to someone with knowledge and intelligence instead of tapping details endlessly into frustrating cyber-space. I would happily recommend Lifesure for their realistic approach to their clients and of course fair price.”
Feefo independent feedback
“I’ve made a couple of windscreen claims and one own fault claim over the 8 years I’ve been with them, and found them to be unflappable and accommodating. Precisely how insurers SHOULD be!”
Mrs Keetch of Somerset
There are a number of van insurance schemes that are available through us and as such the cover varies slightly between them. However, all of the policies offered do have cover that is standard across all of the insurers, including –
- Courtesy car whilst your van is being repaired by one of our approved repairers
- Nationally approved repair network of garages providing a guarantee on work carried out and hassle free repairs
- Repair or replacement of your windscreen, with no loss of no claims bonus
- 24 hour claims helpline
- Substitute vehicle cover with adverse cost legal expenses insurance is an optional component of our van insurance and arranged on our behalf by Soter Professional Services for £28. If you choose not to include “Substitute vehicle cover with adverse cost legal expenses insurance” from the policy, you will not receive the following benefits.
- Uninsured loss recovery for excess costs, travel expenses and lost earnings in the event of a non fault accident
- Up to £100,000 third party legal expenses protection
- Legal team support, if you suffer an injury as a result of an accident that was not your fault, as well as use of our partner solicitors who specialise in personal injury claims on a ‘no win, no fee’ agreement
- £225 cash payment if you are entitled to a replacement car, but do not take it
- Full personal injury cover for drivers and all occupants of the vehicle
- Enhanced motor prosecution defence
Please note that regrettably we are unable to offer quotes to residents of Northern Ireland.
If you have three or more vehicles, it may be more cost effective to have a fleet insurance policy.
To find out more about the cover available under our fleet policies, please visit our fleet page.
We are able to arrange cover for commercial vehicles for use in the both the UK and Europe.
- UK Only Annual Breakdown Insurance from only £95
- UK and European Annual Breakdown Insurance from only £99
Both of the breakdown policies provide you with the reassurance that if your company vehicle suffers a breakdown, you can expect a rapid response to ensure that you are able to continue your journey with minimum interruption; 24 hours a day, 365 days a year.
For more information please visit our breakdown page.
As with all insurance policies there may be some terms used that you might not be familiar with.
For a full explanation of these terms can be found by clicking here.
Once you have spent four or more years building up your no claims bonus you are not going to want to lose it. So, for a slightly higher premium many insurers offer the chance to protect it. This means your hard earned bonus will not be wiped out due to one minor indiscretion.
As long as you have earned at least 4 years no claims, you can pay to safeguard the discount. The cost is normally reasonable, probably something like a 10% additional premium. With this comes peace of mind, considering that your bonus can be reduced by two years following an incident or even wiped out completely if you are unfortunate enough to be involved in two incidents. You may even consider yourself to be blameless. For example, fire and theft claims, a ‘hit and run’ where there is no third party, being hit by an uninsured driver or even whilst recovery of any injuries/excess are outstanding.
Your bonus represents a financial saving every time you pay your motor insurance premium. If you lose it, it may take years to build it back up and in all that time you will be paying more than you would have had to if you had protected it.
For only a small additional premium you could ensure you do not lose your hard earned no claims bonus if you have an accident.
Protecting your no claims bonus will ensure your discount is unaffected, by any incidents subject to specific limits on the number of claims within a set period (normally no more than 2 claims in a 3 year period).
If you choose protected bonus when taking the policy you will keep your no claim bonus providing you have no more:
- Than one claim in a period of cover
- Two claims in any three consecutive periods of cover
If you lose your bonus it will take a minimum of two years to build it up again, maybe even longer.
Key protection cover is an optional extra that can be added on to your insurance.
Some of the main benefits include:
- 24/7 emergency helpline
- Covers all the keys on the same keyring (car, home, caravan etc.)
- No excess to pay
- Doesn’t count against your main insurance policy
For full details about the cover, please visit our key protection page.
Copies of the policy documents from a number of our van insurance policy providers can be found by clicking here.
We have a library full of articles and practical advice that we have written for our customers on a variety of topics.
The motoring advice library can be accessed here.
How do I prove my No Claim Discount (NCD)?
You will need to supply us with the latest renewal notice from your current insurer or a letter on their headed paper confirming the number of years discount you have. The letter will also need to include your name, the policy number and policy expiry date.
Without the proof from your previous insurer, it is likely that the premium quoted will increase.
Do I need to tell you if any of my details have changed?
Yes, we need to be informed about any change to your personal details or your circumstances. Please call us on 01480 402460.
I’ve been convicted of a minor speeding offence; do I need to let you know?
Any change, however minor it may seem, should be reported to us. Not all offences will result in an increase of premium, but they need to be recorded on your file.
We would also need to be informed if you were involved in an accident whilst driving another vehicle.
Do I need to inform you about modifications to my van that I am considering?
If the modifications will increase the performance of your vehicle, then yes we need to be informed. Common modifications that we need to be aware of (but not limited to) include engine enhancements, changes to the exhaust system.
We also need to made aware of cosmetic changes to your vehicle including upgrading the spoilers, skirts and alloys, and also if you have lowered the suspension.
Can I drive other vehicles with my insurance?
Your certificate of insurance will state if you can drive other vehicles that do not belong to you. However you should be aware that the protection provided is the minimum cover as required under the Road Traffic Act (third party only).
This cover does not normally extend to driving vans, motorcycles or HGV’s.