* 10% of our customers paid this or less between October and December 2018.
AXA’s personal and business van insurance keeps you going
Whether your van’s for business use, private use, or you rely on it to work as a courier, we know how important it is that the wheels keep turning. That's why with van insurance from AXA, you can choose the right kind of van insurance to fit your needs.
Our van insurance has a five-star Defaqto rating, so you can be confident that when you choose our cover, you’ll be in safe hands.
What types of van insurance are there?
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 types of van insurance do AXA provide?
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'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.
Why choose AXA van insurance?
Whether you drive your van for business or pleasure, we’ve got cover to meet your needs. Here’s some reasons to choose AXA:
- We pay out on 99% of claims2 – so when you insure your van with us, you know you’ve got a claims service you can trust and rely on
- We’re five-star Defaqto rated – the highest possible rating available, from the independent financial research company Defaqto
- Insure your van from just £211 a year* – get the cover you need, at an affordable price
- Cover you can tailor to meet your needs – choose your level of cover and add a number of optional extras to increase your protection
- Uninsured driver promise3 – you won’t lose your no claims discount or have to pay an excess if you’re involved in an accident with an uninsured driver
- Get a no claims discounts of up to 60% – and the option to protect your discount for an extra cost
Want to talk?
Whether you've got a general enquiry about van insurance or something more urgent, our team are waiting to help.
Courier insurance
If you make deliveries for a living, you can’t afford to have your van off the road and your customer’s goods piling up. Our courier cover is designed for all types of light haulage work such as furniture removers, delivery drivers and leaflet distributors. Comprehensive cover includes:
- Guaranteed courtesy van5
- Nationwide repair network
- Uninsured driver promise3
Personal van insurance
Vans aren't just for business. If you only use your van for hobbies, holidays, shopping, or commuting to and from a single, regular place of work – you'll need personal van insurance. Comprehensive cover includes:
- Cover for misfuelling
- Uninsured driver promise3
- Guaranteed courtesy van5
- Cover for personal belongings
AXA Van Insurance optional extras
What else can you add to your van insurance?
When you get AXA Van Insurance, you not only choose your level of cover. You can also add a number of optional extras to increase your protection.
Simply choose from the following covers when you get your quote. That way, you’ll only pay for what you really need.
Cover to 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 (trailer cover’s only available if you choose comprehensive cover for your van).
Is AXA Van Insurance right for you?
Make sure you can get covered before you get a quote
We’ve made it as easy as possible for you to get a van insurance quote quickly and easily. But in some circumstances, we may not be able to insure you online.
For example, we won’t be able to insure your van if you, or any of the drivers of your van:
- Aren’t aged between 25 and 75
- Don’t hold a full or provisional UK driving licence
- Aren’t a permanent UK resident
- Have had any previous insurance policy declined, cancelled or declared void
If you’re getting business van insurance, we won’t be able to insure your van if any principals, partners or directors of your business have been:
- Declared bankrupt or been subject to any bankruptcy proceedings or any form of insolvency or winding-up procedures
- Prosecuted or served prohibition order under health and safety legislation
- Disqualified from a directorship of any company
If you meet the criteria, go ahead and get a quote online now.
If you don’t, don’t worry – we may still be able to help you. To see if we can give you a quote that meets your needs, call us now on 0330 159 1521 ◆.
Van advice
1 Based on 935 customer reviews on independent review system, feefo, as of 1st March 2017
2 Based on combined AXA landlord and van insurance claims between May 2018 and April 2019
3 As long as we can trace and identify the driver.
4 As standard, we’ll give you the minimum cover you need to comply with compulsory motor insurance legislation in any EU country for up to 93 days. 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.
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.
◆ We’re open Monday to Friday 8am to 8pm, and Saturday 9am to 2pm. Calls are charged at local rate and may be recorded or monitored.
Underwritten by AXA Insurance UK plc. Terms, conditions, eligibility and exclusions apply.