What is Van Insurance and why do you need it?
Vans are classed as commercial vehicles – and the type of van
insurance you need depends on what you use your vehicle for.
Whether you rely on your van for business or personal use, it’s
still vital to protect it from the risk of theft or damage.
Business use can simply mean dropping items off on your way to your
normal place of work, so it makes sense to clarify the cover you
need.
Appropriate van insurance ensures that if your van is involved
in an accident or is the target of crime, the costs associated with
fixing or replacing your van, as well as any damage caused by your
van in an accident, are all covered by your van insurance
policy.
At YOUR Insurance, we take pride in offering insurance products
that fit a range of circumstances. Whatever you use your van for,
talk to our customer services team to find out the right policy for
your van insurance needs.
To find out about what’s covered in our Van Insurance policies,
read more on our Benefits page.
How to buy Van Insurance from YOUR insurance
We want to give you the customer service you’ve been looking for
so we’ve created three simple steps to help you choose your Van
Insurance policy. We’re available with advice at every stage
too.
- Ask questions: we’re here to help in the way
that you choose. In addition to the information on this site, you
can request a call back for advice from our customer services team
at a time that suits you.
- Request a quote: send us an email or phone us
for a quote.
- Buy your insurance: over the telephone – just
talk to our UK-based team of qualified insurance specialists.
Why choose us?
Insurance shouldn’t interrupt the way you work, but you need to
know it’s always there, so we make YOUR Insurance work with
You. With YOUR Insurance, you can:
Spread your payments: to help you manage your
cash flow you can choose to pay your insurance premium in monthly
instalments.
Save time and money: we will email all of your
policy documents to you so you’ll have them straight away. And if
you have any queries there’s no cost to call us: all of our
telephone numbers are free.
Know that you have financial security: by
taking out our van insurance policy you’ll
know you have the support of Europe's largest independent insurance
intermediary, Towergate Underwriting
Group Ltd.
Policy features
Our Van Insurance policies can provide cover for:
Personal effects
If you personal property is damaged or stolen whilst in your van,
the cost of fixing or replacing these items can be included in your
van insurance policy. Limits may apply so please check what is
covered.
Stereo
Damage or theft of the in-van music system can be included in your
van insurance cover – but remember to check if there are any
limitations for stereos not fitted in the factory.
A courtesy vehicle
Your policy can include a courtesy van whilst your vehicle is being
fixed. For some policies, a courtesy vehicle may also be supplied
in the event of total loss through theft or fire.
Short term European travel
Your van insurance policy can also provide cover for travel in
Europe for those times when you go a little further afield.
Fleet cover
If you have four or more vans to protect, talk to us about
multi-van or fleet policies as these can be a cost-effective
solution for multiple vehicles.
Breakdown and home assistance
You can choose to enhance your cover with an additional breakdown
and home assistance option to provide on the spot help if you need
it.
Legal cover
Your policy can also include cover for legal fees if required.
As with all insurance policies, limits and level of cover will
depend upon the package you choose.
Things to look out for
Insurance is designed to protect. To make sure that you get the
most from your choice of Van Insurance cover, you need to bear in
mind the following:
Reasonable care
Unfortunately theft is a common occurrence, therefore most insurers
will expect you to take reasonable care to prevent a problem
occurring. For example theft or damage to your van or some of its
contents will not be covered if it has been left unlocked, left
with the keys in it or left with the windows or doors open.
Non-factory fitted stereos
Some insurers limit cover for non-factory fitted in-van stereo
systems. If unsure, contact our customer services team to check if
restrictions apply to your van stereo.
European cover
Cover for travel outside of the UK varies between insurers so talk
to one of our insurance specialists to find out what is included in
the Van Insurance policy of your choice.
Breakdown cover
The level of services provided with this additional option varies
between providers so it makes sense to check you have the cover you
need.
What we don’t cover
When you’re choosing your insurance, it’s just as important for
you to know what we don’t cover as what we do.
- Motor policies include a requirement for you to take reasonable
care to prevent losses occurring. For example loss of or damage to
your vehicle or its contents by theft or attempted theft or an
unauthorised person taking and driving it will not be covered if it
has been left unlocked, left with the keys in it, left with the
windows, roof panel or the roof open (in the case of a convertible
vehicle) or reasonable precautions have not been taken to protect
it.
- Stereo cover for non-factory fitted may be limited by some
insurers. Please check your policy documents.
- Personal effects cover may be limited by some insurers. Please
check your policy documents.
- European cover may vary between insurers. Please check your
policy documents.
