Is an incident keeping your van off the road? We'll give you a small courtesy van to use while we fix it. Or for up to 21 days in a row if it's written off or stolen.
Comprehensive private van insurance only. Courtesy van for up to 21 days in a row if you use your own repairer. Excludes windscreen claims.
Comprehensive cover, registration number, make and model of the other vehicle needed to make a claim. Non-fault claims only.
Comprehensive claims only.
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Private van insurance (also known as Personal van insurance) allows you to use your van for social, domestic and pleasure purposes only, e.g. for school pick-ups, hobbies such as fishing trips or the weekly shop.
Our private van insurance offers two levels of cover, comprehensive and third-party fire and theft, details of both covers can be seen below.
A broad van insurance for personal use policy that covers you for a range of eventualities. Our comprehensive van insurance includes:
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).
If you're hit by an uninsured driver and it's not your fault, we'll cover your excess, and your No Claim Discount with us won't be affected. You'll need to give us the other driver's registration number, make and model.
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 with us. An excess applies. You'll need to give us a crime reference number.
Comprehensive cover only.
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.
This covers you if someone makes a claim against you, and if your van is stolen or damaged by fire.
For an additional premium, you can also add the following to your comprehensive private van insurance for personal use policy or your third party, fire and theft policy.
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.
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:
The standard limit is £100,000.
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. Our Comprehensive cover includes the offer of a small courtesy van as standard but, for an additional premium, you can add “Similar sized courtesy van” to your cover and we'll get you a van similar size as yours, plus:
Comes as an optional extra only with Comprehensive. Excludes windscreen claims.
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.
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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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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
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 to this policy, unless you and we agree otherwise.
We may ask for proof of your No Claim Discount (NCD). If we do, it must:
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 are examples of our latest private van insurance documents, showing the main covers we offer, plus exclusions.
Yes. You can get private van insurance (also known as personal van insurance) if you only use your van for social, leisure, and domestic purposes. This includes things like visiting the family at weekends, picking up the kids, or doing the weekly shop. If you plan to use it for any business, including commuting to work, you'll need commercial van insurance.
A non-commercial van (a personal or private van) will need private van insurance as you'll only be using it for social, leisure, and domestic purposes. This includes going on family trips, doing the school run, or visiting the supermarket. If you plan to use it for anything business-related, you'll need business (or commercial) van insurance.
Yes. When you start the online quote journey, if you don't use your vehicle for business use, then simply pick 'Social and commuting' when asked the question 'What do you use your van for?'
No, we don't offer cover for Campervans.
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