Private van insurance

Coming direct could save you up to £350

25% of consumers could save up to £350 compared to going direct to other brands. Excludes optional extras. Research by Consumer Intelligence Ltd, conducted August 2021.

We're proud of our customer reviews and Defaqto 5 star rating for commercial van insurance. Defaqto is an independent researcher of financial products.

Get 10% off when you buy online

Introductory discount, new customers only. Minimum premiums apply. Excludes add-ons.

  • Get a discount on your van insurance if you have another policy with Direct Line.

    Discount applies to your new van insurance policy. Subject to minimum premiums.

  • 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.

What is Private van insurance?

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.

Learn more about our private van insurance below or click here if you use your van for business purposes.

Get a quote
or call us on 0345 301 2882

Van replacement

Whether you use your van for school pick-ups, fishing trips or to transport your bikes, we'll keep you on the road when things go wrong.

If your van's written off in an accident, we can:

find you an equivalent replacement

pay you the van's value in cash

find you an upgraded van (you'll only need to pay the difference) Comprehensive cover required. Subject to availability. Excludes theft claims. Minimum van purchase price of £3500. An exact match may not be available.

What we offer

A broad van insurance policy that covers you for a range of eventualities.

Our comprehensive 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)
  • 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).

  • New van cover -

    if your van has been stolen or written off, we'll replace it with a new one of the same make and model if it's less than a year old and you're the first and only registered owner.

  • 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.

  • 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.

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

  • 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).

What we offer

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 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 – 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 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. Keep in mind, this doesn't include windscreen claims.

Get a quote
or call us on 0345 301 2882
  • Making changes to your 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.

  • Renewing your policy

    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.

  • Cancelling your policy

    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).
  • Legal requirements

    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.

  • Your No Claim Discount

    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 private car, a motorbike or a company vehicle (where you were the sole user)
    • be less than two years old
  • What else do you need to know?

    • 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.
Get a quote
or call us on 0345 301 2882

What our Van customers are saying

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Policy documents

View and download our policy documents here:

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

You can see examples of a generic policy summary below. This shows the main covers we offer, plus exclusions.

The following policy documents apply to policies that were bought or renewed on or after 19 November 2019 but before 16 February 2020.

The following policy documents apply for policies effective from 16 February 2020 but before 25 October 2020.

The following policy documents apply for policies effective from 25 October 2020 onwards.