Van
insurance
Comprehensive van insurance cover
From repair costs to van hire, contents to vehicle replacements, comprehensive van insurance from Norwich Union has what you need from an insurance company.
Whether you are looking for private or commercial van insurance, our online quote will get you started and with additional cover options available for your vehicle, insurance flexibility is yours.
See our comprehensive and third party fire and theft Summary of Cover for comparison of our van insurance policies.
What is covered?
- Loss of, theft or damage to your van
- Accident recovery
- Injury to you or your partner
- Medical Expenses
- Emergency Medical treatment
- Personal Belongings
- Replacement locks
- Your liability to third parties
- Foreign Use
- Excesses
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Loss of, theft, or damage to your van
If your van is lost, stolen or damaged, we will either:
- pay for your van to be repaired
- replace your van
- pay the amount of the loss or damage in cash
The same cover applies to:
*if this equipment:
- has been designed to be removed or partly removed from your van
- cannot work independently of your van
- has been temporarily removed for security or maintenance purposes
The maximum amount we pay is the market value of your van at the time of the loss.
If we know that you are still paying for your van under a hire-purchase or leasing agreement, we make any payment due, to the owner described in that agreement.
We will pay for the cost of repairing the glass in your van's windscreen, sunroof, windows or scratches to the bodywork caused by breaking glass. If you are only claiming for this, you will have to pay the first £60 of the cost of replacing the glass. This excess for glass:
- will not apply if the glass is repaired rather than replaced
- cancels out any other voluntary or compulsory excess that would otherwise apply to glass claims
If you are involved in an accident, call us, and the RAC arrange for the following at no extra cost.
- Someone to come out and help. If your van cannot be made roadworthy immediately, it is taken to our nearest approved repairer in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
- Your van can be taken to a repairer of your choice, if this is nearer, but this may lead to delays in arranging the repairs to your van. This rescue service also applies if you have an accident in the Republic of Ireland
- We can also pass on a message on behalf of any driver.
If your van is disabled through loss or damage covered by this insurance, we pay the reasonable cost of its delivery to you or your address in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands after repair.
We will pay £2500 if you or your spouse suffer accidental bodily injury in connection with your van.
We will pay £100 for medical expenses if you or anyone in your van are injured as a direct result of your van being involved in an accident.
We will reimburse any person using your van, for emergency medical treatment payments they have to make under the Road Traffic Acts.
We will pay a maximum of £100 for any one incident for the loss or damage to personal belongings caused accidentally by fire or theft while they are in/on your van.
We will pay the cost of replacing the following if the keys or lock transmitter of your van are lost or stolen
- affected locks
- lock transmitter and central locking system
- affected parts of the alarm/immobiliser or both
Your liability to third parties
We will pay any compensation costs and expenses you may have to pay as a result of you being legally liable for the following
- death or bodily injury to anyone else for an unlimited amount
- damage to anyone else's property for up to £1 000 000 for any or all claims arising from any one incident
If your van is the subject of a leasing or contract hire agreement we will insure the owner in the same way that we insure you under this section.
We pay the following legal costs if they relate to an incident under this section
- fees of solicitors we ask to represent anyone we insure
- fees of legal representatives we ask to defend anyone we insure
We cover only the minimum legal requirements while you are in a country that is a member of the European Union, this is usually the same as UK Third Party only cover.
You can extend your policy to provide Comprehensive cover while you are abroad, two options are available, 7 day cover or 21 day cover.
You pay an excess if your van (including its accessories, spare parts, fixtures and fittings) is lost, stolen or damaged as shown in the Summary of cover. Please check your quote for details.
These excesses apply as well as any other voluntary or other compulsory excesses that may apply, please check your quotation for details.
If you are only claiming for loss of or damage to the glass in your van's windscreen, sunroof or windows, or for any scratches on the bodywork caused by breaking glass, the general excesses do not apply. You do, however, have to pay the first £60 of the cost of replacing the glass. This excess for glass:
- will not apply if the glass is repaired rather than replaced
- cancels out any other general excess that would otherwise apply to glass claims
- Items listed in the General Exclusions
- Items listed in Your liability to third parties
- Loss of use, wear and tear, depreciation, mechanical, electrical or electronic breakdown, or computer equipment failures, breakdowns or breakages
- Loss or damages arising from theft while the ignition keys of your van have been left in or on your van
- Damage to tyres caused by braking or by punctures, cuts or bursts
- Loss or damages resulting from pressure waves caused by aircraft or other flying devices that are travelling at or above the speed of sound
- Loss of value following any repairs
- Loss or damage caused directly or indirectly by fire if your van is equipped for cooking or heating food or drink
- If your van is confiscated or destroyed under an order made by any government or public or local authority
- The maximum amount we pay is the market value of your van at the time of the loss.
- If we know that you are still paying for your van under a hire-purchase or leasing agreement, we make any payment due, to the owner described in that agreement.
Van insurance from Norwich Union
Find out what our van insurance covers:
- Third party fire and theft cover
- Vehicle insurance cover comparison
- Additional cover options available for private and commercial van insurance plans
If you can't find the answer you are looking for please call us on 0800 559 3213 and we will be happy to help you. Calls may be recorded and/or monitored.
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