Van Insurance

* 10% of our customers paid this or less between July and September 2019.

AXA’s personal and business van insurance keeps you going

Whether your van or pick-up is 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 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 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 or pick-up 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 use a van as a  personal vehicle only – but it will also still cover you if you use your van for commuting.

For example, if you have a van for family trips away but also use it to drive to and from a single, regular place of work, personal van insurance is what 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.

What types of van are covered?

At the moment, our van insurance only covers standard vans and pick-ups.

Other types of van (such as refrigerated vehicles, mobile snack bars or catering units, and motor homes or camper vans) can’t be insured under this policy. Still not sure whether you can insure your van with us? Call us to chat through your options – our friendly advisors will be able to answer any questions you have.

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:

1. 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
2. We’re five-star Defaqto rated – the highest possible rating available, from the independent financial research company Defaqto
3. Insure your van from just £211 a year* – get the cover you need, at an affordable price
4. Cover you can tailor to meet your needs – choose your level of cover and add a number of optional extras to increase your protection
5. 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
6. Get a no claims discounts of up to 60% – and the option to protect your discount for an extra cost

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 ^◆.

¹ Based on 935 customer reviews on independent review system, feefo, as of 1st March 2017

² Based on AXA van insurance claims between July 2018 and June 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. 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.

^◆ We’re open Monday to Friday 8am to 6pm. Calls are charged at local rate and may be recorded or monitored.

Underwritten by AXA Insurance UK plc. Terms, conditions, eligibility and exclusions apply.