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About the policy

Whether you use your van for business or pleasure, for client deliveries or family camping trips, we’ll take time to find out what you need, search the market for the best options, and explain what’s included and excluded from the policies we recommend.

With flexible cover from leading insurers such as Ageas, Axa and Aviva, you can be certain your vehicle is in safe hands1.

Our UK based team are specialists in van insurance and will ensure you don’t pay for more protection than you need. Be sure to ask about our low-cost options, such as breakdown cover (from £95), key protection (from £15), and no claims discount protection, keeping you safe from the unexpected.

1We aim to partner with insurers who have at least an A rating. A-rated insurers are independently assessed as financially stable with the means to pay should you have a claim.

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What does our van insurance cover?

You can trust us to know the ins-and-outs of van insurance. With different levels of cover designed to suit business or family use, individual makes and models, and varying business types (sole trader or limited company) choosing the right policy can be complex.

Should you have a modified or specialist vehicle, or simply prefer to talk with a product expert about what is and isn’t covered in each of the policies on offer, please call us and we’ll be happy to help.

When choosing a policy, it’s important to know what’s included and excluded. Our summary below provides information on our most popular, fully comprehensive product. No policy protects you against every scenario and it’s best to read the policy documents to understand the conditions and exclusions that apply.

There are important differences between private car and van insurance. If you’re buying van insurance for the first time, make sure you read your documents carefully or speak with one of our team.

What’s covered

  • Options for either personal or business use
  • If you choose comprehensive cover, you’ll get a temporary replacement vehicle after an accident for up to 7 days while your van is repaired
  • Up to £500 cover for replacement locks
  • Up to £100 cover for personal belongings (excluding tools)
  • A 3 year guarantee on any repairs carried out by an approved repairer
  • 90 days like-for-like cover in the EU
  • Windscreen cover

What’s not covered

  • Theft if your keys are left in the vehicle
  • Wear and tear
  • Loss of value of your vehicle after repair
  • Theft of goods, tools or samples carried as part of a trade or business

Policy enhancements

  • Key cover - provides cover for the costs to repair or replace keys attached to the fob we send you in the event of damage, theft or loss
  • Accidental death & personal accident - provides a benefit payment for death or certain bodily injuries while driving or travelling in the insured vehicle
  • Vehicle excess protection - we will reimburse you for the excess on your vehicle insurance policy following a claim on your vehicle insurance
  • Substitute vehicle and legal expenses - provides cover for the recovery of uninsured losses and motoring prosecution defence. If your insured vehicle is undriveable or has been written off as a result of an incident which is insured by your motor insurance policy, we will arrange to supply you a substitute vehicle
  • Motor breakdown (UK) - roadside assistance and recovery when your vehicle breaks down in the UK

Policy documents

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Motor breakdown insurance
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PDF 195.32 KB
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Key cover insurance (purchased on/after 01.04.20)
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PDF 245.69 KB
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Key cover insurance
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PDF 152.97 KB
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Substitute vehicle and motor legal policy insurance (purchased on/after 01.04.20)
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PDF 197.7 KB
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Substitute vehicle and legal expenses insurance
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PDF 161.19 KB
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Vehicle excess reimbursement insurance
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PDF 404.77 KB
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Accidental death and personal accident (purchased on/after 01.04.20)
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PDF 389.95 KB
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Accidental death and personal accident
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PDF 345.13 KB

Claims

Whether for business or pleasure, we know it’s vital that your van is back up and running as quickly as possible.

Your policy documents provide important information about how to make a claim. Your claim will be handled by our insurance partner who is committed to providing an outstanding service when you need it most.

As an independent, family-owned business, giving you good old-fashioned customer care is important to us. Should you experience any difficulty progressing your claim, we’ll also be on hand to help.

What are your finance options?

Choosing the right protection for your van is important. Spreading the cost of your insurance can help make it more affordable.

Premium finance options allow you to pay in regular instalments. With flexible payment dates and online account management, credit agreements are also easy to renew, ensuring you’re always protected.

Close Brothers Premium Finance, our award-winning finance partner3, has been making it easier for people across the UK and Ireland to manage their money for over 40 years.

We believe in making insurance straight-forward and easy. When it comes to pay, you can choose from several options, please click here for details.

3Insurance Choice Awards Winner 2018. Insurance vendor of the year

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