Self-employed and tradesperson insurance
Cover for those without a dedicated business premises who need to cover their business related legal liabilities.
Van insurance
With tools in transit cover available
Tools in transit cover is an optional extra and offers cover up to £10,000. See policy documents for full details.
Van insurance is offered through Co-op Insurance Services and administered by Affinity Insurance Solutions Limited.
Van insurance comes with a variety of features and you can choose from comprehensive or third party, fire and theft levels of cover.
What comprehensive van insurance covers
Some of the things that are covered in comprehensive policies include:
- replacement locks up to £500 if your van keys are lost or stolen
- repair work guaranteed for the time you own the insured vehicle when you use an approved repairer
- personal belongings up to £250 if they are damaged or stolen.
With comprehensive cover you also get:
- a courtesy car derived van for up to 14 days when one of our approved repairers fixes your van as part of a claim
- a 24-hour accident recovery service if your van needs to be recovered in an accident for which you could make a claim
- up to £250 toward the cost of draining and flushing inappropriate fuel due to misfuelling
- our Vandalism Promise means that if you make a claim as a result of vandalism that you've reported to the Police, you won’t lose your no claim discount
- our Uninsured Driver Promise means that if you have an accident that is the fault of an uninsured motorist, we will refund the cost of your excess and restore your no claim discount. You must be able to provide the vehicle reg, car colour, make and model, and the uninsured driver's details.
Comprehensive vs third party, fire and theft
Comprehensive and third party, fire and theft polices offer different levels of cover.
Cover | Comprehensive | Third party, fire and theft |
|---|---|---|
Costs for damage you cause to other people, their vehicle or other property | Damage you cause to other people, their car or other property is covered in comprehensive policies. | Damage you cause to other people, their car or other property is covered in third party, fire and theft policies. |
Paying you the market value of your van if it’s written-off as a result of theft or attempted theft, stolen and not recovered, or destroyed by fire | Paying you the market value of your car if it’s written-off as a result of theft or attempted theft, stolen and not recovered, or destroyed by fire is covered in comprehensive policies. | Paying you the market value of your car if it’s written-off as a result of theft or attempted theft, stolen and not recovered, or destroyed by fire is covered in third party, fire and theft policies. |
Costs for repairing your van after it’s been damaged in a fire, an attempted theft or if it's stolen and recovered | Costs for repairing your car after it’s been damaged in a fire, an attempted theft or if it's stolen and recovered is covered in comprehensive policies. | Costs for repairing your car after it’s been damaged in a fire, an attempted theft or if it's stolen and recovered is covered in third party, fire and theft policies. |
Costs for repairing your van if it’s been damaged in a crash, even if it’s your fault | Costs for repairing your car if it’s been damaged in a crash, even if it’s your fault are covered in comprehensive policies. | Costs for repairing your car if it’s been damaged in a crash, even if it’s your fault are not covered in third party, fire and theft policies. |
Windscreen repair or replacement | Costs for repairing or replacing your windscreen are covered in comprehensive policies. | Costs for repairing or replacing your windscreen are not covered in third party, fire and theft policies. |
What van insurance does not cover
There are certain things our insurance doesn’t cover, including professional driving instruction, motor trade operations, hiring your car to someone else, and motor racing.
View the full list of exclusions in the policy documents.
Popular vans we can cover
We can insure some of the most popular vans, such as:
- Ford Transit
- Vauxhall Vivaro
- Mercedes Sprinter
- Citroen Berlingo
- Vauxhall Combo
- Ford Transit Custom
- Renault Trafic
- VW Transporter.
These are just a selection of the vans we can cover.
Add extras to your van insurance policy
You can add extra cover when you buy your policy, including:
- tools in transit cover, where you can choose from six different levels of cover
- motor legal expenses insurance, that can help recover your uninsured expenses when an accident wasn’t your fault.
Find out more about the extras you can choose when you get your quote.
Make a van insurance claim
Policy documents
^Call charges may apply. Calls may be monitored or recorded for security and training purposes.
As you may expect, our features are subject to limitations and/or exclusions, so please speak to our call centre or view our policy documents for further details.
Applicants for insurance are subject to normal underwriting criteria.