Van Insurance

With AXA van insurance, you can choose from three types of cover – comprehensive, third party fire and theft, or third party only. Note that for couriers, comprehensive cover is required. Here’s what’s included with each type of cover:

What's covered	AXA Third Party	AXA Third Party, Fire and Theft	AXA Comprehensive
Injury to other people or damage to their vehicles or property
Accident recovery cover
93 days’ EU travel4
Continued cover while your van is getting serviced or repaired
Minimum cover to legally tow a trailer
Loss or damage to your van caused by fire or theft
Built-in music, navigation and entertainment equipment
Loss or theft of your keys (up to £500)
Guaranteed courtesy van if your van is stolen or damaged5
Loss or damage to your van
Broken windows and windscreens
Personal injury to the driver of your van (up to £5000)
Medical expenses (up to £250)
Personal belongings (up to £250)
Cover if you put the wrong fuel in your van

What will I need to get a van insurance quote?

Before you start your insurance quote, you’ll need to have a few details to hand. You’ll need to tell us your personal details and driving history, how long you’ve had your license and what kind it is, and what type of van you have.

• Van registration number and details. We'll need to know the age and value of the van, the number of seats, the date when you bought it and any security features it may have. You’ll also need your estimated annual mileage, and the address where the van will be kept overnight.
• Driver details. We’ll need each driver’s name, occupation and driving history, including any claims and motoring offences they’ve had.
• Types of cover. You'll need to know what type of cover you want for your van, whether that’s fully comprehensive, third party or third party, fire and theft.
• No claims discount. You might be able to transfer over any no claims discount you have with your current van insurer. Before you get a quote, find out how many years’ discount you have and think about whether you’d like to protect the discount if you make a claim.

How much does van insurance cost?

There are several things to consider, like the trade or sector you work in, what your van is used for and where it’s kept overnight. Your age and driving experience are big factors in determining the cost of your van insurance. For example, younger drivers are statistically more likely to have an accident and make a claim, so, insurance premiums tend to be higher for younger people. A higher insurance premium also applies to inexperienced drivers, whatever their age.

What you use the van for also affects the cost of van insurance. If your van is only for pleasure or domestic use and has a small annual mileage, your premium is likely to be different to someone who drives it regularly for business or trade.

So, to find out, give us a call and talk to one of our friendly, experienced advisors who’ll give you the price that’s just right for your business. Or get a quote online for a 10% discount.

What type of cover do I need?

We offer three types of cover, so you can pick what you need. Comprehensive van insurance offers you our highest level of cover. It covers damage to your van and damage to others as the result of an accident, as well as damage relating to theft or fire. It also offers cover for broken windows and windscreens, personal belongings, mis-fuelling and medical expenses – benefits that are only available with our comprehensive van insurance.

Third-party, fire and theft covers you for injuries and damage you cause to others, and also covers your own van for loss by fire, or theft. Although it doesn’t include all of the features of our comprehensive van insurance, it does include some of them – like cover for built-in music, navigation and entertainment equipment and a guaranteed courtesy van if your van is stolen or damaged⁵.

Lastly, third-party only van insurance covers you for injury or damage to others only and is the minimum level of protection as required by law.

What's the difference between business and personal van use?

Business van insurance, also known as commercial van insurance, is needed if you use your van in connection with your trade or business. For example, if you use your van to carry stock, tools and equipment to different locations as part of your normal work, or to make deliveries to your customers, you’ll need business van insurance. Private or personal van insurance is for when you only use a van as your own personal vehicle – but it will also still cover you if you use your van for commuting. So if you have a van for family trips away but you also use it to drive to and from a single, regular place of work, personal van insurance is all you need.

Can I insure more than one van?

You can only cover one van at a time on an AXA van insurance policy, however if you have more than one van then speak to us about getting a multi-vehicle discount on any additional policies you take out. We might also be able to mirror any no claims discount you’re earning on your current van, to a new van you buy.