What is Van insurance?

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Van insurance is essential for making sure you’re protected when you’re on the road for business purposes. For example, carrying goods, tools, and equipment from one location to another as part of your normal working day.

What does Van insurace cover?

Our Van insurance covers you for:

  • Injury to other people or damage to their vehicles or property
  • Loss or damage to your van, including by fire or theft
  • Broken windows and windscreens
  • Loss or theft of your keys (up to £500)
  • 93 days’ EU travel4
  • Medical expenses (up to £250)
  • Personal belongings (up to £250)
  • Cover if you put the wrong fuel in your van
  • Guaranteed courtesy van if your van is stolen or damaged5
  • Minimum cover to legally tow a trailer

What types of van are covered?

Our van insurance only covers standard vans and pick-ups. Other types of van (such as mobile snack bars or catering units, and motor homes or camper vans) can’t be insured under this policy.

male sitting in the front driver's side seat of a van looking down at someone out of frame and smiling

Can I insure multiple vans for my business?

Yes. Our van insurance policy is only able to cover one vehicle at a time, but you are able to buy separate policies for each of your vehicles. You’ll be able to see and manage all of them easily within your secure online account space.

Though we can’t cover all your vans on one policy, we may be able to offer a multi-vehicle discount on any additional policies you take out with us. Please note, this is only available offline, so please get in touch with us and an advisor will be able to help.

We may also be able to mirror any no claims discount you’re earning on your current van to a new van you buy. Just let us know the details of your other vehicle when arranging a quote and we’ll work out the rest.

Are there any optional extras available?

We have a few optional for optional extras that you can choose to add onto your van insurance policy. Take a look below to see what we can offer.

Protect your No Claims Discount

If you have years of no claims behind you, why lose your discount just because you're unlucky enough to make a one-off claim?

By protecting your no claims discount, you’ll be able to make a claim on your van insurance without losing the discount you’ve built up.

Legal assistance cover

If you’re in an accident that’s not your fault, we’ll give you up to £100,000 legal expenses cover to help you claim compensation for ‘uninsured losses’. That means any losses that aren’t covered by your policy, like your policy excess, personal injury, loss of income or damage to property that was in your van.

Legal assistance will also cover your legal costs if you’re prosecuted for an offence related to owning or using your van – and give you access to confidential legal advice, 24/7.

Breakdown cover

If your van ever lets you down, it’s good to know that someone will be there to pick you up and get you back on the road.

And with three options available, you can choose what level of cover is right for you. Get a quote now and choose from AXA Roadside, AXA Rescue, or our most extensive cover, AXA Rescue and HomeStart.

Trailer cover

As standard, our van insurance gives you the minimum cover you need to legally tow a trailer while it’s attached to your van. But what if your trailer’s damaged, lost or stolen?

For a small additional cost, we’ll increase your cover to insure you for loss or damage to a trailer attached to your van, as long as it’s worth less than £5000.

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*10% of our customers paid this or less between October and December 2023.

**As long as we can trace and identify the driver.

***A courtesy van won’t be provided in the event of a total loss, or theft without recovery.

4 As standard, we’ll give you the minimum cover you need to comply with compulsory motor insurance legislation in any EU country. And if you ask us before you travel abroad, we can also extend this to provide the same level of cover you have in the UK for up to 93 days of travel in any one period of insurance.

5 We guarantee a small courtesy van, which may not necessarily be a like for like replacement. We won’t supply one in the event of a total loss or a theft without recovery. The repair must take place at one of our approved repairers.