VAN INSURANCE

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We give our customers far more than just van insurance

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Standard Cover

Our commercial van policy is designed to cover your vehicles and the legal liabilities arising from them. It is designed for vans up to 3.5 tons gross vehicle weight. You can choose from two types of cover, comprehensive and third party fire & theft, which are summarised below:

Third Party, Fire and Theft

• Legal liabilities to third parties provides cover for the sums detailed below which you become legally liable to pay resulting from any accident involving your vehicle, or whilst loading or unloading your vehicle:
  • £20,000,000 where the insured vehicle is a car or a car with trailer/caravan attached
  • £5,000,000 for any other insured vehicle
• Our policy provides cover for claims made against you by other parties including accidental death or bodily injury for an unlimited sum and accidental damage to property subject to certain limits.
• Cover against loss or damage to your vehicle by fire or theft
• Cover for loss or damage to audio, communication, navigational or in-car entertainment equipment up to £500, unless it is standard equipment for the insured vehicle when built, when the loss comes as a result of fire or theft.

Comprehensive

In addition to the cover provided above, you are also covered for:

• Cover for loss or damage to audio, communication, navigational or in-car entertainment equipment up to £750, unless it is standard equipment for the insured vehicle when built.
• Cover against breakage of glass in vehicle's windscreen or other windows without affecting your No Claims Discount
• Medical expenses. We will pay for necessary medical treatment after an accident up to £100 for each person, with a maximum of £500 in total for claims arising out of any one cause.
• Personal belongings. Personal effects in your vehicle are covered up to a total of £100 for any one claim.

Automatic Extensions of Cover

Our commercial van insurance policy covers the following for either Comprehensive or Third Party, Fire and Theft

• Free Courtesy Vehicle - (subject to availability and terms & conditions) when you use one of our Approved Repairers following an insured incident. N.B. A courtesy vehicle will not be provided where your van is either stolen (and unrecovered) or written off
• Foreign Use - provided notice of an intended foreign visit has been given to us, your policy will apply whilst your vehicle is being used temporarily in the EU and certain other non EU countries

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Optional extras

The following are optional and can only be included if you have specifically selected them in association with either Comprehensive or Third Party, Fire and Theft cover:

• Protecting your No Claims Discount - Protected NCD can be purchased at 1 years entitlement upwards and remains in force according to the current applicable scale - see policy for full details.
• Legal Protection - this will take care of costs incurred through legal proceedings to recover uninsured losses or damages and compensation following an accident

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Exclusions & limitations

These are some of the exclusions that apply to the policy as well as general conditions and exclusions.  Details of these can be found in the policy document.  Other additional terms and conditions may apply in certain cases.  Excesses apply to certain types of claims:

• Claims for your liability for loss of or damage to property occurring whilst you are carrying hazardous goods are limited to £1,000,000. For a full list please refer to the policy document.
• Loss or damage arising from theft or attempted theft if:
  • the ignition key or other removable ignition device has been left in or on the Insured Vehicle

We will not insure you for claims whilst any vehicle insured by this policy is being:

• Used for any purpose that the Certificate of Motor Insurance does not allow
• Driven by someone not allowed to drive by the Certificate of Motor Insurance
• Driven by anyone not holding a licence to drive the Vehicle or being disqualified from having such a licence (see General Exceptions 1 for terms and conditions)
• We will not provide cover if the vehicle is used airside (see Exclusions to Section A - 8 of the policy document.)

Courtesy Vehicle - A courtesy vehicle will not be provided where your vehicle is either stolen (and not recovered) or written off.

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Legal protection

Features & benefits

In addition to the standard cover, for an additional premium, this optional cover will help take care of costs that you incur through legal proceedings to recover uninsured losses or damages and compensation following an accident.

Cover includes:

• A sum of up to £100,000 arising out of any one incident for legal fees incurred to pursue damages arising from a road traffic accident against those whose negligence has caused your injury, death or caused you to suffer loss of your policy excess or other out of pocket expenses.

Exclusions & limitations

These are some of the exclusions that apply to the policy.  Full details can be found in the policy document. Other additional terms & conditions may apply in certain areas:

1. any fines, penalties or compensation awards imposed by a court, tribunal or regulator.
2. any costs covered by another insurance policy
3. any criminal proceedings where you do not have a valid:
   1. motor insurance policy;
   2. road fund licence or MOT certificate for the Insured Vehicle; or
   3. driving licence.
4. Costs You have paid directly to the legal representative or any other person without our permission
5. any claim where You;
   1. become insolvent (or commit an act of insolvency or bankruptcy), or
   2. enter into liquidation, or
   3. make an arrangement with creditors, or
   4. enter into a deed of arrangement, or
   5. have part or all of your affairs, assets or property placed in the care or control of a receiver or a liquidator, or
   6. have an administration order over your affairs assets or property.

Conditions

• You must make your claim within 6 months of the date of the event which gave rise to the dispute.
• We will have the right to do the following: -
  End your cover provided by this section if, during the course of the claim we think that there is no longer a reasonable chance of success. If you continue the claim and get a better settlement than we expected, we will pay your reasonable costs.

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