Liability to third parties

Third party cover is an important element of a policy, particularly vehicle insurance and especially in a business environment, where a number of individuals may be required to drive your vehicles.

Whether you choose comprehensive or third party fire and theft policy options, we want to ensure that you are comfortable with the terms of your van insurance policy. If you can't find the information 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.

• You are insured for
• Insurance for the owner of the vehicle (leasing or contract hiring agreements)
• Insurance for legal personal representatives
• Legal costs
• Excesses
• What isn't covered

 

You are insured for

• any person you give permission to drive your van, as long as your certificate of motor insurance allows that person to drive
• any person you give permission to use (but not drive) your van for social domestic and pleasure purposes, as long as that use is included on the certificate of motor insurance; and
• any passenger travelling in or getting into or out of your van

for any compensation, costs and expenses you may have to pay as a result of you being legally liable following:

• death or bodily injury to anyone else for an unlimited amount
• damage to anyone else's property, up to £1,000,000 for any all claims arising from any one incident

Where we are liable under the Road Traffic Acts the maximum amount we will pay for damage to property resulting from Terrorism will be £1,000,000 in respect of any vehicle for any one claim or all claims or a series consequent on one original cause.

If there is an accident which involves us paying more than one person, any limitation under the terms of this policy or any clause relating to the maximum amount payable will apply and we will settle any payments in order of priority.

This section only applies if the death, bodily injury or damage arises out of an accident caused by or in connection with:

• your van, including its loading and unloading
• any trailer while it is being towed by your van

Top of page

 

Insurance for the owner of the vehicle (leasing or contract hiring agreements)

If we know your van is the subject of a leasing or contract hire agreement between you and the owner of your van, we will insure the owner in the same way that we will insure you under this section if there is an accident while your van is let, on hire or leased under the agreement, as long as:

• your van is:
  • not being driven by the owner;
  • not being driven by a person who is employed by the owner; or
  • in the charge of but not being driven by the owner or any person who is employed by the owner;
• the owner cannot claim under another policy
• the owner follows the terms, exceptions and conditions of this policy as far as they can apply

Top of page

 

Insurance for legal personal representatives

If anyone who is insured under this section dies, we will protect his or her legal personal representatives against any liability that the person had, which is covered under this section.

Top of page

 

Legal costs

We pay the following legal costs

• The fees of solicitors we ask to represent anyone we insure under this section at a coroner's inquest or fatal accident inquiry, or to defend any proceedings in a court of summary jurisdiction.
• We will provide up to £50,000 for legal costs to pursue a case, and up to £10,000 worth of cover to defend against any motoring prosecutions (N.B. excluding drink/drug-related offences).

Top of page

 

Excesses

Some excesses and limits may apply click here to check Summary of cover, and check the details on your quote

Top of page

 

What isn't covered

Items included in the General Exclusions

• Any claim if any person insured under this section fails to keep to the terms, exceptions and conditions of this policy as far as they apply, or if they are entitled to claim payment or insurance under any other policy
• The death of or bodily injury of any employee of the person who is insured which arises out of the course of their employment, except where liability must be covered by the Road Traffic Acts
• Loss or damage to property that
  • belongs to, or is in the care of anyone we insure who claims under this section; or
  • is being carried in your van
• Loss, damage, death or injury that occurs beyond the limits of any carriageway or thoroughfare and involves anyone, other than the driver or attendant of your van, bringing a load to your van for loading or taking a load away from your van after unloading it
• Damage to premises (or to the fixtures and fittings) where the damage is insured by another policy
• Damage to any vehicle where cover in connection the way the vehicle is used or driven is provided under this section
• All loss, damage, death or bodily injury caused directly or indirectly by pollution or contamination, unless it is caused by a sudden, identifiable, unintended and unexpected incident which happens in its entirety at a specific time and place during the period of insurance unless liability cover is a requirement of the Road Traffic Acts. For the purposes of this exception, pollution or contamination means all pollution or contamination of buildings or other structures or of water or land or the atmosphere
• The death, bodily injury or illness of any person caused by food poisoning, anything harmful contained in any goods supplied, or any harmful or incorrect treatment given at or from the vehicle
• All loss, damage, death or bodily injury while your van is being used in
  • the part of an aerodrome or airport that is provided for aircraft to take-off and land aircraft parking areas, including the associated service roads and ground equipment areas
  • areas of passenger terminals which come within the customs examination area except where this liability must be covered by the Road Traffic Acts.

Except to the extent that we must provide insurance under the Road Traffic Acts, we will not pay for any of the following:

(i) Any direct or indirect consequence of an act or acts of terrorism whether or not such consequence has been contributed to by any other cause. Terrorism includes but is not limited to:

(a) the use or threat of force and/or violence

and/or

(b) harm or damage to life or to property (or the threat of such harm or damage) including but not limited to harm or damage by nuclear, chemical, biological and/or radiological means

when any such act is committed by any person(s) or group(s) of persons in whole or in part for political, religious, ideological or similar purposes, or is claimed to be committed in whole or in part for such purposes:

(ii) any action taken in controlling, preventing, suppressing or in any other way relating to (i) above.

Where we are obliged by the Road Traffic Acts to provide insurance , the maximum amount we will pay for damage to property as a result of any accident or accidents caused by a vehicle or vehicles driven or used by you or any other person and for which cover is provided under this section will be:

(i) £1,000,000 in respect of all claims directly or indirectly from one originating cause;or;

(ii) such greater sum as may in the circumstances be required to meet the minimum insurance requirements of the Road Traffic Acts.

Top of page

 

Van insurance from Norwich Union

Find out what our van insurance covers:

• Comprehensive cover
• 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.