Van Insurance

There are a number of ways:

1. Increase your voluntary excess - an excess is the first part of the claim that you have agreed to pay. By increasing this amount, therefore increasing the amount that you are willing to pay in the event of a claim your insurer will discount your annual premium. Remember, in a Non-Fault claim you may recover your excess via your legal assistance, which is explained under our legal assistance section.
2. Your van - the value, type and engine size (cc) all make a difference, generally the cheaper and smaller engine vehicles generate lower van insurance premiums.
3. Security - having an alarm, immobiliser or tracker fitted to your vehicle, can generate premium discounts.
4. Annual mileage - be as accurate as you possibly can, as the lower your annual mileage, the bigger the insurers may discount your van insurance annual premium.
5. Where is the vehicle parked overnight - If you have a garage, it's best to use it as van insurers may offer discounts on your annual premium. If you have a driveway, enter this onto your quote, off-road parking such as communal parking areas must be entered as "road"
6. Additional drivers - Only add drivers to your van insurance policy that use your vehicle on a regular basis. Limiting drivers limits your risk to the insurer and therefore decreases your annual premium. "sAny driver" policies are considerably more expensive, if you do require this, check all drivers ages as any driver policies over 25 (entered on quote as 25) may be more expensive than any driver policies over 30 (entered on quote as 30).

All commercial van insurance policies that we offer on-line provide the minimum cover you require to drive in any of the EU countries. Further assistance on extra cover can be obtained via your policy wording or by contacting us on 0800 019 0933.

This is the first part of each and every claim which you (not your insurer) must pay. There are two types of excess:

1. Compulsory excess - This is an excess that has been applied as a requirement by your insurer and will vary according to your personal circumstances and the terms of cover provided. A compulsory excess may be required if you drive a particular vehicle or you have inexperienced drivers on your policy. There is also a compulsory excess for fire, theft or windscreen claims
2. Voluntary excess - This will apply where you agree with your insurer to pay a greater part of each claim, in addition to your compulsory excess. A voluntary excess can be increased or decreased at your request during your on-line quotation and it may affect your premium.

This will allow you to make a certain number of claims arising from your own error or fault without affecting your no-claims discount. Please refer to your policy wording for full details.

A fault claim is any claim resulting in your own insurer being liable (paying for the claim). e.g. - you are not to blame for a theft claim but your own insurer would be liable (paying the claim), as they have no other party to recover the costs from. If your insurer pays for your damages in a claim (e.g. - where a third party hit you) but then re-coups their costs via the third party's insurer, then this would be a Non-Fault claim as your insurer was not liable (recovered their costs for the claim).

Yes, we have schemes which allow us to give you the equivalent discount to the number of years claim free company van driving experience you can confirm. Our van insurance specialists will advise you further on 0800 019 0933.

You may have zero no claims bonus as you have never held a policy in your own name before, have only ever been named on other people's / company vehicles, purchased a second vehicle or lost them due to a recent claim. Whatever the reason, our on-line quotation system cannot offer the substantial discounts that we can give you by discussing your situation over the telephone. Call our specialists on 0800 019 0933 and let them explain why having zero No Claims Bonus need not mean that you have to pay a great deal more for your van insurance.

This is when you or any proposed drivers have any use of another vehicle:

• You may own another motorcycle, van or car
• You may be a named driver on another policy
• You may have access to a company van/car within working hours e.g. a pool car
• You may have full, personal access to a company van/car including social domestic and pleasure use
• You may have access to a car
• You may have access to a van
• You may have access to a motorcycle

Our experienced advisors may offer unique discounts for such driving experience, you may call them on 0800 019 0933.

1. Third Party Only cover - This is the most basic van insurance and covers your liability for death or bodily injury to a third party (including other occupants of your vehicle) and your liability for damage to third party property
2. Third Party Fire and Theft cover - This covers third party risks as described above plus the risk of fire and theft in connection with your vehicle in accordance with relevant policy terms. Some insurers will provide cover for the contents and the audio equipment of the vehicle, details will be provided with your on-line quotation
3. Comprehensive cover - This includes the Third Party Fire and Theft cover, as well as loss of or damage to your vehicle caused by accidental or malicious damage. Comprehensive cover usually includes some personal accident benefit in respect of personal injury to you or your death (please refer to your policy terms for details). Theft cover for the contents of your vehicle is provided by most insurers but only to a specified amount and subject to policy terms. Details will be shown with your on-line quotation

Including, but not restricted to chemical/oil/gas works or refineries, nuclear/power stations, explosive/ammunition/pyrotechnic industries, military bases etc.

This additional cover (Vannet Legal Assistance) will protect you if you incur any uninsured losses as a result of an accident that wasn't your fault. Losses which are uninsured may include loss of earnings, personal injury, vehicle recovery within the United Kingdom, loss or damage to personal property and policy excesses under a comprehensive policy. This cover also includes credit repair.