Van Insurance from £181
a year

10% of customers paid this or less. Excluding add ons. Based on policies sold March 2016 to August 2016

Van Insurance

Keeping you on the road

If your van is written off in an accident, Direct Line for Business Van Insurance can:

  • Find you an equivalent replacement
  • Pay you the van's value in cash
  • Find you an upgraded van and you pay the difference

Subject to availability. Excludes theft claims. Minimum van purchase price of £3500. An exact match may not be available.

What we offer

Comprehensive

Includes Third Party Fire and Theft cover, accidental damage to your van and cover for personal belongings, medical expenses, personal accident and tools cover. Subject to selected levels of cover.

Third Party Fire & Theft (TPF&T)

This covers you if other people claim against you for injury or damage to their vehicle or property, and if your van is stolen or damaged by fire.

Optional extras

We offer the option to extend your cover with a number of optional extras for an additional cost.

Read more

Discounts

Direct Line for Business offers a range of discounts that are aimed at bringing down the cost of your van insurance.

Read more
  • We offer the option to extend your cover with a number of optional extras.

    Read more
  • Direct Line for Business offers a range of discounts that are aimed at bringing down the cost of your van insurance.

    Read more

Comprehensive cover

Our comprehensive van insurance includes:

  • Third Party Fire and Theft cover
  • Tools cover (up to £500)
  • Windscreen damage
  • Uninsured driver promise (Registration number, make and model of the other car is needed to make a claim. Comprehensive cover required and non fault claims only)
  • Personal accident cover
  • Medical expenses
  • Personal belongings
  • Hotel expenses
  • New vehicle replacement1
  • Compulsory minimum EU cover
  • Fitted in-car equipment2
  • Up to 9 years no claims discount
  • Repairs guaranteed for 5 years when you use our approved repairer
  • No administration fees to pay

1If your vehicle is less than one year old and you are the first and only registered owner, we will replace it with one of the same make and model. t&cs apply
2If permanently fitted cover is up to £1,000. If fitted as part of the vehicles standard equipment, cover is unlimited.

Optional extras

After 4 years, you can protect your No Claims Discount for a small extra premium. You can make 1 claim in any year or 2 claims in any 3 year period, and you won't lose your hard-earned discount.

Our breakdown cover is in partnership with Green Flag. Below are some of the cover options.

Rescue

Roadside assistance, once you’re ¼ mile from home and, if your vehicle cannot be fixed at the roadside, we’ll take you and your vehicle to a suitable garage. We also offer a message service to let friends and family know what has happened.

Rescue Plus

All of the above, plus added protection if you put the wrong fuel in your vehicle. We also cover your vehicle if it breaks down at your home address.

Recovery

All the benefits of Rescue apply. If it's apparent that we can't fix your vehicle by the end of the working day, we'll take you, your vehicle and any passengers, in a single journey, to your original destination, your home address or a suitable garage.

Recovery Plus

Extends all the benefits of Recovery to your home address, plus a choice of either:

  • A hire vehicle for up to 48 hours, or
  • The cost of alternative travel to return home or continue your journey
  • Overnight accommodation (including breakfast) in a local hotel while your vehicle is fixed (providing you are more than 25 miles from home) If necessary, we will also pay for a single standard class rail ticket for you or another driver to collect the vehicle.

EuroPlus

For protection when driving on the continent, EuroPlus offers extensive cover designed to put your mind at rest. The level of cover offers all the benefits of Recovery Plus as well as European roadside help, the cost of travel home if necessary, and the cost of getting your vehicle back too, plus free legal cover and more.

Personal Cover

As with all our options, your vehicle is covered whoever is driving it. But for a small extra premium you can take out Personal Cover for any vehicle you're travelling in, provided it's under 16 years old and is both privately registered and being used in the UK. You can also extend this to include your partner too.

Direct Line breakdown cover is underwritten by U K Insurance Limited and provided by Green Flag Motoring Assistance. Direct Line and Green Flag are members of the same group.

These benefits are for comprehensive cover only.

Description of Cover Guaranteed Hire Vehicle Guaranteed Hire Vehicle Plus
Length of cover 14 days in a row 21 days in a row
Delivered to and collected from your home address
(or any other location within the same distance)
Cover if vehicle stolen
Cover if your vehicle is written off
Type of hire vehicle provided A small car derived van A similar physical size to your own
  • Please ensure that the information you have provided is accurate and the statements on this page are all correct.

    The premium is calculated using this information and any incorrect, inaccurate or incomplete information could invalidate all or part of the policy and result in claims being rejected or not fully paid. This policy will be governed by English Law unless you and we agree otherwise. Our cancellation and complaints procedures are detailed in the policy and our cancellation procedures are as follows:

    • If you cancel before your policy is due to start, we will return any premium paid in full.
    • If you cancel within 14 days of the policy starting , or within 14 days of receiving your documents (whichever occurs later), we will return any premium paid less a charge for the number of days for which cover has been given and an administration fee of £0.00 (including Insurance Premium Tax where applicable) or;
    • If you cancel after those 14 days have passed we will return any unused premium less the administration fee of £47.30 (including Insurance Premium Tax where applicable) or;
    • If you have made a claim or if one has been made against you during the current period of insurance, you will not receive a refund.

    If your circumstances change between the date you purchase the policy and the date when you require the policy to commence, please call us. Failure to inform us of any changes could invalidate all or part of the policy and result in claims being rejected or not fully paid.

    If you wish to purchase this policy, details of the payment options available to you and the purchase procedure are displayed on the following pages.

    We will securely store your payment details so that we may automatically renew your policy for subsequent years. Each year we will write to you before we take any payment to remind you that this is happening.

    Insurance cover is subject to our standard policy wording.

    View the full insurance policy wording.

    Mid term adjustments to your policy may result in an administration fee of £ (including Insurance Premium Tax where applicable) as well as any additional premium incurred as a result of the amendment.

    Please read the insurance policy summary before purchasing this product.

    • All drivers are at least 21 years of age and hold a valid UK or EU driving licence and are permanently resident in the UK.
    • The total number of accidents or claims for all drivers does not exceed 5 in the last 3 years.
    • The total number of convictions, fixed penalties or disqualifications for all drivers does not exceed 3 in the last 5 years.
    • Your No Claim Discount (NCD) must have been earned in the UK (including Channel Islands, Isle of Man and Republic of Ireland) and issued by your previous UK insurer. All NCD must be written in English, the NCD level shown in years and not as a percentage. All NCD should be in your name as the policyholder and not be in use on any other vehicle.
    • The vehicle is kept at your address and has not been modified or altered in any way (including wheels, suspension, bodywork and engine), other than external signage, internal paneling and/or internal or external racking.
    • Any misrepresentation made by you in order to obtain a lower premium could result in cancellation of your policy and rejection of any claims.
    • If you selected one of the following occupations when obtaining your motor insurance quotation then the vehicle may only be used for Social, Domestic and Pleasure purposes: Motor Trade, Retired, Housewife / Househusband, Drivers, Students and Unemployed. If you require additional drivers to have business use or are uncertain about the type of use you require, please save your quote and contact us on 0345 301 4465
    • Your business or the business of your employer is not in any way connected with any of the following: the entertainment or fashion industry, professional sports, foreign service, foreign diplomatic personnel, mini-cab drivers or mini-cab controllers.
    • Your vehicle is not used for hire and reward including couriers.
    • Your vehicle is not used for the purpose of cooking food or providing hot or cold refreshments such as Ice Cream Vans, Burger Vans or does not carry hot bitumen or any other heated or refrigerated or frozen goods.
    • The annual mileage of your vehicle does not exceed 50,000

Discounts

Good news for motorists, Direct Line for Business offers a range of discounts that are aimed at bringing down the cost of your van insurance.

  • Direct Line was the first major insurance company in the UK that recognised named drivers' No Claims history.

    This means that when we provide your named drivers with a quote for Direct Line Van Insurance, we’ll recognise every year they haven’t made a claim on your policy.

    Your named drivers’ no claims histories are automatically stored on our system. When they come to apply for their own policy with us, they simply need to give us your details online or on the phone. At this point they will be able to receive up to 5 years' Named Driver No Claims Discount.

    The named driver no claims discount may be lower than the no claims discount available to you as the main policy holder and may not be recognised by other insurers.

  • Use your No Claims Discount on your second van.

    If you are the only person insured on your Direct Line for Business van insurance policy and you purchase a second van that will only be driven by you, we will match the number of years on your existing van and allow a discount.

  • Insure both your vehicles for less with Direct Line.

    We don’t want to hit you in the pocket just because you own more than one vehicle. In fact, we are dedicated to doing the exact opposite - saving you money with the Direct Line Multi-Vehicle Discount.

    We’re offering an introductory 15% discount on new policies taken out on additional vans by existing customers, or members of their household, (subject to minimum premium, excluding add-ons).

Frequently asked questions

About Van Insurance

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What our Van customers are saying

Customer reviews verified by ReevooTM

Ease of purchase

9.3

Value for money

9.0

Overall rating

9.0

Score is 9.0 out of 10 based on 368 reviews.

Prompt answering of phone. Quick and hassle free web site

Colin
Romford

Van Insurance Knowledge Centre