Van Insurance

Frequently Asked questions regarding Van Insurance

How can I reduce my Van insurance costs?

• If you know how many miles you will do in the coming year, some of our Insurers allow you to cap your annual mileage and this often decreases the costs.
• Park off road – If you have a garage or off road parking our insurers will often give considerable discount for this.
• Increase the policy excess – Certain insurer will lower your price if you choose to increase the voluntary excess.
• No Claims bonus – Insurers give discount for no claims bonus, if your van is a new purchase but you have private car bonus a number of insurers will allow you to transfer this onto your van policy.

I am using my Van to deliver parcels am I able to cover the goods whilst they are in transit?

• We have access to a number of Goods in Transit policies that are able to insure the goods that you are transporting.

At the beginning of the year I thought I would only be doing 10,000 miles but my business has been extremely busy and it is now likely to exceed this will that invalidate my cover?

• If you are likely to go over you mileage limit please call our team and we can speak to the insurers about extending the number of miles you are able to do. The Insurers will usually charge to add mileage as they gave discount at the start of the policy based on lower mileage.

Can I get breakdown cover through your team?

• We have a number of schemes available for breakdown cover – please call our team to discuss your requirements.

I only need cover for a few days on a van are you able to cover this?

• We have a temporary van insurance policy with one of our insurers – please call our team to discuss cover we are able to cater for most uses.

What different types of cover are you able to offer for Van Insurance?

Most of our Insurers are able to offer the following levels of cover:

• Comprehensive Cover – Covers you for, Fire, theft, vandalism and damage to your own vehicle (accidental damage)
• Third Party Fire and Theft – This is typically cheaper than Comprehensive cover – it only covers the Third party damage or Fire and Theft this will not cover you for damage to your own vehicle following a accident.
• Third Party Only Cover – This is the minimum level of cover required by Law, it covers you for any damage you cause to any other road users.

My van is in my company name can is that a problem?

• If your van is in your company name we are able to set the policy up to reflect this.

Previously my tools were stolen from the back of my Van do any of your Insurers provide cover for this?

• We have a number of policies that you are able to provide Tool cover, they will often cover theft subject to terms and conditions of the policy.