Van insurance – Everything you should know

What is van insurance?

Van insurance allows you to use your van or pick-up for your business, e.g. to carry your goods, tools or equipment to different locations as part of your working day.

When you compare van quotes, choosing cheap van insurance isn’t always the answer. Learn more about our commercial van insurance below or get some more information on our private van insurance.

What does van insurance cover?

Our van insurance offers two levels of cover, comprehensive and third-party fire and theft, details of both covers can be seen below.


A broad commercial van insurance policy that covers you for a range of eventualities. Our comprehensive van insurance includes:

  • Third party liability cover
  • Fire and theft cover
  • Accidental damage cover
  • Permanently-fitted vehicle audio cover
    (cover is unlimited if the audio is fitted as part of your van’s standard equipment, otherwise cover is up to £1,000).
  • Windscreen repair and replacement cover
  • Tools and equipment cover (up to £500)
  • Personal belongings cover (up to £250)
  • Personal accident cover (up to £5,000)
  • Medical expenses (up to £100 per person)
  • Hotel expensesIf your van can’t be driven after an accident or loss covered by this insurance, we’ll pay your hotel expenses for an overnight stay (up to £150 for the driver or £250 in total for all the people in your van).

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  • New van coverIf your van has been stolen or written off, we’ll replace it with a new one of the same make and model if it’s less than a year old and you’re the first and only registered owner.

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  • Uninsured driver promiseIf you’re hit by an uninsured driver and it’s not your fault, we’ll cover your excess, and your No Claim Discount won’t be affected. You’ll need to give us the other driver’s registration number, make and model.

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  • Vandalism promiseIf you make a claim for damage to your van that’s a result of vandalism, ie damage caused by a malicious and deliberate act not by another vehicle, you won’t lose your No Claim Discount. An excess applies. You’ll need to give us a crime reference number.

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Third party, fire and theft

This covers you if someone makes a claim against you, and if your van is stolen or damaged by fire.

  • Third party liability cover
  • Fire and theft cover
  • Permanently-fitted vehicle audio cover
    (cover is unlimited if the audio is fitted as part of your van’s standard equipment, otherwise cover is up to £1,000).

Used van write off replacement

Whether you use your van to transport tools or pursue your passion, we’ll keep you on the road when things go wrong.

If your van’s written off due to an accident, vandalism, fire or flood you’ll be given the following options:

  • Receive a cheque to the replacement value of the van
  • Ask us to replace your van with something similar
  • Choose a van of higher value and you pay the difference
    Service is for vans over one year old for Comprehensive cover only. A minimum van purchase price of £3,500 applies. An exact match may not be possible and is subject to availability. Excludes theft claims.

Optional van insurance extras

For an additional premium, you can also add the following to your comprehensive van insurance policy or your third party, fire and theft policy.

No Claim Discount Protection

Your No Claim Discount won’t be affected by one claim made during the current period of cover, or by two claims arising in the three preceding years of insurance.

If you have at least 4 years’ No Claim Discount, you and all named drivers are at least 25, and all have no fault claims within the past three years, then you’ll be eligible to buy No Claim Discount Protection. You’ll no longer be eligible for this cover if claims exceed the above numbers. Your premium may still increase following a claim.

Motor legal expenses

If you have an accident involving your van where you aren’t to blame, this covers the costs of bringing a claim against the person responsible, where we agree there’s a better than 50% chance of your claim succeeding.

Examples of losses we cover include:

  • compensation for personal injury
  • loss of earnings
  • the cost of repairing or replacing your business tools, equipment and products damaged in the accident
  • accident repair costs, if you don’t have comprehensive van insurance

The standard limit is £100,000.

Small or Similar size Courtesy van

Whether you use your van for business or leisure, we know that your vehicle is your livelihood. So, if your van is damaged, written off or stolen we’ll keep you moving with a Small or Similar sized courtesy van, plus:

  • Choose one of our approved repairers and you can keep it until your van is fixed.
  • You’ll still get a hire van for up to 21 days in a row if yours is written off, stolen or you prefer to use your own garage.
  • We’ll also cover the travel costs if your van is stolen or you have an accident abroad – up to £15 a day (up to £25 a day with Similar size courtesy van) for up to 21 days following your claim.

Comes as an optional extra only with Comprehensive. Keep in mind, this doesn’t include windscreen claims.

Rescue Add On

With Rescue Add on, you’ll be covered if your Van has broken down and you can choose to be covered within the UK, Europe or both. This cover can be added to both Comprehensive and Third party, fire and theft polices.

Rescue Rescue Plus Recovery Recovery Plus Euro Plus
Roadside assistance
24/7 help if you breakdown, including a tow to a local garage if we can’t repair your van by the road
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Unlimited call outs
As long as it’s not for the same problem
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Cover at home
We’ll come to the rescue at your home in the UK
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National recovery
Your van and your passengers can be taken to the UK destination of your choice
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Onward travel
We’ll arrange a hire car or overnight accommodation or alternative transport if your van can’t be fixed locally that day
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European cover
All of the benefits above when driving in Europe
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Important information about your van insurance policy

We won’t charge you admin fees if you want to make changes to your policy, but your premium may go up or down as a result of any changes you make.

If you don’t tell us about any changes in your circumstances between the date you buy the policy and the policy start date, or after the policy start date, it could invalidate all or part of your policy, and we might turn down claims or not pay them in full.

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