Home - Van Insurance - Useful Information - Frequently asked questions

Can I pay for my van insurance by instalments on-line?

Yes, provided the proposer is aged 18 or over. We require a deposit to start your van insurance and then the balance can be paid by Direct Debit over the following 10 months. A credit charge is payable and this will be added to your total premium.

Can I change my instalment repayment dates?

This is possible, but not currently available on-line. You would need to contact our Customer Services department on 0870 220 2764, who will advise which preferred dates are available.

Can I cancel my Direct Debit at anytime?

Yes, you can cancel your Direct Debit at anytime by advising your Bank or Building Society. However, please note that by cancelling your Direct Debit, you are also cancelling the Credit Agreement. If you are cancelling your Direct Debit before the final payment has been made to us, the outstanding balance becomes payable immediately.

IMPORTANT: Cancelling your Direct Debit does not cancel your van insurance policy.

How reputable are the companies you deal with?

All the insurers on our panel are regulated by the Financial Services Authority.

Is there a courtesy car in the event of an accident?

Yes, with Comprehensive cover only, providing the vehicle is repairable (not written off) and the claim is arranged through your insurance company's approved repairer. The provision of a courtesy car will be subject to availability.

Does the price of my van insurance include motor legal expenses cover?

This is not included automatically. Motor legal expenses cover (Motor Protection Plan) is an optional extra, and full details are provided with your on-line quotation. Motor Protection Plan provides insurance in respect of solicitors' fees to assist you in recovering any uninsured losses in connection with a claim that wasn't your fault (e.g. your excess or damages for personal injury).

Does the van insurance policy entitle me to drive anybody else's car?

No, this is a benefit excluded under a commercial vehicle policy.

I have been a named driver on someone else's van insurance policy. Does this entitle me to a no-claims discount if I start on my own?

No, although you may be eligible for an introductory discount for first time insurance.

Can I use my no-claims bonus twice?

No, no-claims bonus is limited to one vehicle at a time. However if you call us on 0800 093 9983, we may be able to provide you with a multi-vehicle policy.

I have had access to a company car for a few years. Can I get a discount for this?

No, although you may be eligible for an introductory discount for first time insurance.

Is Payment Protection cover included with my van insurance?

This is not included automatically. Payment Protection cover (Equity Red Star at Lloyd's) is an optional extra.

Payment Protection covers the monthly amount due under your van insurance policy (excluding any arrears), in the event of unemployment or disability (subject to terms and conditions - see the van insurance policy documents).

Are my materials and tools covered by my van insurance?

No goods, samples or tools which you carry in connection with your trade, are covered. However you may have business insurance, which may cover these.