The Insurance Act 2015 is a new piece of UK government legislation that becomes effective on the 12th August 2016. The purpose of this Act is to update the law in certain areas in line with best practise in the modern UK insurance market. To find out more and how it could affect you please go here: www.directlineforbusiness.co.uk/insurance-act-2015-overview
No, you’re not required to be the main driver of the vehicle.
You can get a quote up to 30 days before you need the cover to start.
Yes, cover will be provided subject to the territorial limits described in your policy booklet.
No, cover is only provided for the vehicle on your current certificate of motor insurance.
Direct Line Motor Legal Protection will pay the other side's costs if you lose and all expenses (i.e. medical reports and counsel's opinion) related to your claim.
Yes, if you don’t use your vehicle for business use, then simply pick 'Social, Domestic and Pleasure' when asked the question "What type of use do you require".
No, we don’t offer cover for Couriers.
No, we don’t offer cover for campervans.
Tools are covered for loss or damage caused by fire, theft, attempted theft or an accident, whilst they are in your vehicle. Cover is up to a limit of £500 and subject to the terms and conditions contained in the policy booklet. Tools will not be covered when left in the rear of a pick up.
We do not offer quotations in a company name. The main driver must be the policyholder, the owner and registered keeper of the vehicle.
No, we don’t offer cover for tippers.
No. Direct Line Motor Legal Protection is an additional product which can be bought when you buy van insurance.
If legal protection cover has been purchased, this cover can be used following any road traffic accident involving your vehicle, which is not your fault, and you suffer losses you cannot recover from any insurance policy.
We will pay the legal costs of recovering uninsured losses from the party at fault as long as it is more likely than not that your claim will succeed.
It’s important that you take the drivers details including the vehicle registration number, make and model.
We’ll need the details of the driver if we’re to recover your losses from them.
If you’re involved in a road traffic accident which isn’t your fault we’ll pay the legal costs. Such as recovering compensation for any injuries sustained and loss of earnings from the person at fault as long as it’s more likely than not that your claim will succeed.
No, you only pay the annual premium. All costs related to your legal claim are covered by the policy.
Cover will be provided for drivers named on your current certificate of motor insurance and any passengers travelling in your vehicle.
Name, address, postcode, date of birth
Uninsured losses are costs for which you are responsible. Examples include the policy excess, the cost of a hire van and any medical expenses you may incur. However, if you have Direct Line Motor Legal Protection cover we will pay any reasonable cost of legal proceedings against another person who is responsible for the accident, if it results in injury to you or uninsured losses being incurred.
The policy doesn’t cover Goods in Transit.
But it does cover tools whilst they’re in your van for loss or damage caused by fire, theft, attempted theft or an accident. Cover is up to a limit of £500 and subject to the terms and conditions contained in the policy booklet.
The policy doesn’t cover tools when they’re left in the rear of a pick up.
For you to be the policy holder, one of the following will need to be the owner / registered keeper of the vehicle:
The finance company may be entitled to take the van. If you were not aware the van was subject to an outstanding credit agreement and bought it in good faith, you may be allowed to keep the van. You should consider getting legal advice to decide whether you can do this and how to go about it.
We insure vehicles up to a maximum weight of 3.5 tonnes GVW (Gross Vehicle Weight).
We offer cover for single cab pick ups.
Direct Line insurance policies are underwritten by U K Insurance Limited, Registered office: The Wharf, Neville Street, Leeds LS1 4AZ.
Registered in England and Wales No 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by
the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202810. Calls may be recorded.
© 1999- U K Insurance Limited