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Electric van insurance from directline

Insuring your business' electric van, including cables and battery

With Direct Line you'll get our standard benefits as well as cover for your electric van's battery and charge cables.

We're proud of our customer reviews for commercial van insurance.

  • No admin fees if you want to make changes to your policy.
  • Up to five named drivers on one policy.
  • Tailored e-documents that show only the cover you have.
  • We can cover your electric van whether you use it for work, leisure, or both.
  • Make claims with our online claims journey.

    Comprehensive claims only.

Explore electric van insurance

Get to the information you want to read quicker by using the links below.

What is electric van insurance?

E-van insurance allows you to use your electric 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. You'll also have peace of mind knowing your electric van's battery and charging cable are covered.

What does electric van insurance cover?

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


A broad e-van insurance policy that covers you for a range of eventualities. Our comprehensive electric 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)
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  • Charging cables

    Charging cables and your home charger are covered for accidental damage, fire, and theft. You'll be covered should someone trip over the charging cable while charging your van at home or away from home.

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  • Battery cover

    Whether it's leased or owned it's covered against accidental damage, fire, and theft.

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  • Hotel expenses

    If 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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  • Uninsured driver promise

    If 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 promise

    If 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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  • Small courtesy van

    If your van's being fixed by one of our approved repairers, we'll give you a small courtesy van to drive until yours is ready for the road. If you prefer to use your own repairer, or your van has been written off or stolen, you'll still get a small courtesy van for up to 21 days in a row. Excludes windscreen claims.

Third party, fire and theft

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

  • Charging cables and your home charger are covered for fire and theft
    You'll be covered should someone trip over the charging cable while charging your van at home or away from home
  • Battery cover - whether it's leased or owned it's covered against fire and theft
  • 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).

Optional 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 electric 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

If your e -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. Excludes windscreen claims.

Important information about your electric 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.

We may set up your policy to renew automatically, saving you time and making sure you're always covered. You can change this at any time by calling us. We'll securely store your payment.

We'll send you a renewal invitation in good time before we take any payment. If at that time, you don't want us to automatically renew your policy, or you want to make changes to your policy before renewing, please call us.

Our cancellation and complaints procedures are detailed in the policy.

If you cancel your policy

  • Before it's due to start, we'll refund the premium you paid us in full.
  • Within 14 days of getting your documents, or the start date of your policy (whichever is later), we'll refund the premium you paid us, minus a charge for the number of days we've insured your van for.
  • After those 14 days, we'll refund any premium paid for the remaining term of the policy, minus an admin fee for cancellation of £50.40 (including Insurance Premium Tax where applicable).

We'll calculate your premium using the information you give us. If you give us incorrect or inaccurate information, it could invalidate all or part of your policy, and we might turn down claims or not pay them in full.

English law will apply unless you and we agree otherwise. However, if you are resident in Jersey, Guernsey, Alderney or the Isle of Man, the law of the island where you are resident will always apply to your policy and any dispute in relation to it will be within the jurisdiction of that island's relevant court.

We may ask for proof of your No Claim Discount (NCD). If we do, it must:

  • Have been earned in the UK (including the Channel Islands and the Isle of Man) or the Republic of Ireland
  • Be from your previous UK or Irish insurer
  • Be written in English
  • Clearly show the NCD level in years, rather than a percentage
  • Be in your name, as the policyholder, or in the name of the business (if the policyholder is a company)
  • Have been earned on either a van, a electric car, a motorbike or a company vehicle (where you were the sole user)
  • Be less than two years old
  • Insurance cover is subject to our standard policy wording.
  • Drivers must be at least 21 years old, hold a valid full UK or EU driving licence and must have lived in the UK for at least one year.

Advantages and disadvantages of electric vans

Are you thinking of purchasing an electric van as your new vehicle or just wanting to know more about your options?

How can I get cheaper electric van insurance?

Here are several ways that could help save you money on your premium and get the best e-van insurance.

  • Consider a smaller van
  • Prove that you're safe with your No Claims Discount
  • Stay secure using alarms and immobilisers
  • Manage your mileage
  • Designate drivers
  • Check if modifications will increase the cost of your insurance

Electric Van insurance policy documents

When you get a quote, we'll send you a personalised policy document that shows the cover you've chosen.

These can also be found when you log into My Account.

Here you can find examples of our latest electric van insurance documents which show the main covers we offer, plus exclusions.

To make sure you download the right document, please select the dates that cover the period you bought or renewed your policy and the latest version of the document will be displayed.

Frequently asked questions

While the driving range of electric vans varies depending on the make and model, some electric vehicles (EVs) with a longer range can travel between 150 to 250 miles on a single charge. Although range anxiety can be a concern for some drivers, the growing network of charging stations across the UK means you can power up on the road.

Yes, electric vehicles can tow caravans and trailers. However, certain makes and models are more suitable for towing than others. If your day-to-day work involves towing heavy loads, it's worth researching towing capacity before you make an investment.

Yes, electric vans are cheaper to run than diesel or petrol vans because electricity costs less per mile. On average, you’ll pay approximately £6-7 for 30 minutes of charging (about 100 miles of range, depending on your van). Maintaining your vehicle is usually cheaper too, and you don't have to pay road tax until April 2025.

The good news is that there's more choice than ever if you want to switch to an electric van. With added range and charging options, you can find one that meets your budget and business needs. The best way to decide is to do your research and weigh up the pros and cons of owning an electric van.

Electric vans only use electricity stored in their battery that needs to be plugged in and recharged. Hybrid vans use a combination of both an electric battery and petrol or diesel. You can choose a plug-in hybrid or a model that recharges itself using regenerative energy.

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  • Monday to Friday 8am - 6pm
  • Saturday 9am - 3pm
  • Sunday Closed

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