Here at Constructaquote.com we've worked closely with
our panel of insurance companies to bring you a variety of low cost commercial
van insurance policies.
Below you'll see a table showing the level of cover on
the van insurance policies available from our panel of insurance partners,
making it easy for you to see which policy is most suited to both your and your
business’ needs.
|
Company |

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|
Green Card Cover / Cost |
Yes |
Yes, free 45 days 90 days max |
Under 7 tonnes free SDP. Over 7 tonnes refer |
Yes, £20+IPT first week, £10+IPT |
Yes depending on GVW and length of stay, refer |
|
Do they
allow TAD? |
Yes max 3 times |
Yes = max 14 days |
Yes - first 48hrs free, refer
claims |
Yes |
Yes |
|
Do they
allow TAV? |
Yes, up to 3.5 tonnes, max 3
times |
Yes. 14 days max |
Yes - first 48hrs |
Yes |
Yes |
|
Age
range of drivers |
17-70 |
19-70 |
18-76 |
25-65 |
25-69 |
|
No of
drivers allowed? |
4 |
3 |
2 |
Insd and 3 |
Insd and 3 |
|
Max Comp
Value |
£35,000 |
£20,000 |
£75,000 refer if over |
£15,000 |
£30,000 |
|
Max TPFT
value |
£15,000 |
£4,000 |
No limit |
£3,000 |
£3,500 |
|
Courtesy
Car / Vehicle Hire |
Option on system with change |
Yes if approved repairer used |
Yes if approved repairer used |
Yes if approved repairer used |
No |
|
Multi
seat vehicle |
Yes |
No |
Yes, up to 7 seats |
No |
Yes d/cab up to 5 seat |
|
Q
plates |
Yes why? Refer |
No |
No |
No |
No |
|
P
Effects / Tools |
No |
No |
No |
No |
No |
|
Winscreen cover & Excess |
Autoglass 0800363636 £60 XS |
Zenith Glassline 0800 917 0900 £60 XS |
Autoglass 0800363636 £60 XS |
Nationwide 01202628757 £60 XS |
Autoglass 0800363636 £75 XS |
|
Windscreen Limit |
No limit |
£150 is non approved |
No Limit |
£100 if non approved |
No limit |
|
Protected NCB |
Yes |
No |
No |
Yes comp only |
No |
|
Mirror
Bonus |
Yes - up to 4 years |
No |
No |
No |
Yes |
|
New
Vehicle Replacement |
Yes, if within first 6 months, 60% damage, new car will be provided |
No Cover |
Yes, if within first 6 months, 50%
damage, new car will be provided |
No Cover |
No Cover |
|
Liability Cover |
£2,000,000 |
£1,000,000 |
£5,000,000 |
£1,000,000 |
£1,000,000 |
|
Personal
Accident Cover |
£2,500 for death, loss of leg/arm, loss of
sight one/both eyes |
No Cover |
No Cover |
No Cover |
No Cover |
|
Medical
Expenses |
£100 pp |
No Cover |
£150 pp |
No Cover |
No Cover |
|
Personal
Belongings Cover |
£100 (See exclusions) |
No Cover |
£100 (See exclusions) |
No Cover |
No Cover |
|
Replacement Locks |
Cover provided free |
Covered (See wording) |
Covered (See wording) |
Covered (See wording) |
No Cover |
|
Company |

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|
Green
Card Cover / Cost |
3 days free |
Hols only, max 2 weeks £25+IPT per
week |
Max 45 days, Min charge £26.25 |
Yes |
90 days free |
|
Do they
allow TAD? |
Yes - over 25 |
Yes - over 25 |
Yes - Max 14 days |
No |
No |
|
Do they
allow TAV? |
Yes, if similar to original
vechicle |
Yes, refer each case |
Yes - max 14 days |
No |
Yes, if similar to original
vehicle |
|
Age
range of drivers |
25-74 |
25-70 |
21-70 |
21-70 |
19-65 |
|
No of
drivers allowed? |
4 |
Insd and 3 |
6 |
Insd and 3 |
5 |
|
Max Comp
Value |
£25,000 |
£20,000 |
£20,000 |
£25,000 |
£20,000 |
|
Max TPFT
value |
£10,000 |
£5,000 |
£5,000 |
£4,000 |
£8,000 |
|
Courtesy
Car / Vehicle Hire |
No |
Yes if approved co used |
Yes if approved co used |
Yes if approved co used (14
days) |
No |
|
Multi
seat vehicle |
5 seats for crew cabs |
No more than 3 |
Refer each case |
No |
Yes double cabs up to 5 seats |
|
Q
plates |
No |
No |
No |
No |
No |
|
P
Effects / Tools |
£250 |
No Cover |
P.E. £100 no tools |
No Cover |
No Cover |
|
Winscreen cover & Excess |
Axa Glass Care 0800269661 NIL XS |
Chaucer Glass Care 08005870808 £50 XS |
Autoglass 0800363636 £60 XS |
Glassline 0800854454 £50 XS |
Highway Glassline 0800716333 £60 XS |
|
Windscreen Limit |
£100 if not approved |
£150 if not approved |
No Limit |
£150 if not approved |
No Limit |
|
Protected NCB |
No |
Yes |
No on std, Yes on EDI |
Yes - no claims |
Yes |
|
Mirror
Bonus |
No |
Yes, no limit of years, mirror cv, pc
and spouse if in spouse name |
No |
Yes |
Yes, up to 4 years mirror from CV
& PC in proposers name only |
|
New
Vehicle Replacement |
Yes, if within first 6 months, 60% damage, new car will be provided |
No Cover |
Yes, if within first 12 months, 50% damage, new car will be provided |
Yes, if within first 6 months, 60% damage, new car will be provided |
No Cover |
|
Liability Cover |
£5,000,000 |
£1,000,000 |
£20,000,000 |
£5,000,000 |
£5,000,000 |
|
Personal
Accident Cover |
£5,000 for death, loss of leg/arm, loss of
sight one/both eyes |
No Cover |
£5,000 for death, loss of leg/arm, loss of
sight one/both eyes |
£5,000 for death, loss of leg/arm, loss of
sight one/both eyes |
No Cover |
|
Medical
Expenses |
£250
pp |
Yes No Limit |
£250 pp |
Yes no limit |
Yes no limit |
|
Personal
Belongings Cover |
£250 pp |
No Cover |
£250 |
£250 |
No Cover |
|
Replacement Locks |
£1,000 if lost or Stolen |
No Cover |
£1,000 if lost or Stolen |
Covered (See wording) |
No Cover |
|
Company |

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|

|
 |
|
Green Card Cover / Cost |
Yes, 35 days free max 90 days refer
for charge between 35-90 |
Yes, 30 days per year free |
TPO, refer for comp cover, SDP
only |
Yes, but always refer |
|
Do they
allow TAD? |
Yes |
Yes |
No |
Yes, refer |
|
Do they
allow TAV? |
Yes |
Yes |
Yes |
Yes, refer |
|
Age
range of drivers |
21-75 |
25-70 |
30-69 |
21-65 |
|
No of
drivers allowed? |
Insd and 3 |
Insd and 2 |
3 |
Insd and 4 |
|
Max Comp
Value |
£28,000 |
£30,000 |
£15,000 |
£25,000 |
|
Max TPFT
value |
£5,000 |
No TPFT cover |
£4,000 |
£5,000 |
|
Courtesy
Car / Vehicle Hire |
Yes if approved repairer used |
Yes if approved repairer
used |
No |
No |
|
Multi
seat vehicle |
No more than 4 |
No |
Refer |
Yes double cabs up to 5
seats |
|
Q
plates |
Yes, TPO refer |
No |
No |
Yes, TPO refer |
|
P
Effects / Tools |
No |
No |
No Cover |
No Cover |
|
Winscreen cover & Excess |
Autoglass 0800363636 £50 XS |
RAC windscreen 01246223839 £60 XS |
RAC Windscreen 01246223839 £60 XS |
Autoglass 0800363363 £60 XS |
|
Windscreen Limit |
Refer to policy |
No Limit |
£200 if not approved |
£250 Limit |
|
Protected NCB |
Yes |
Yes |
No |
Yes (refer) |
|
Mirror
Bonus |
No |
No |
Will allow, refer each case |
Yes up to 4 years mirror from CV
& PC in proposers name onlu. Any driver
over 30yrs |
|
New
Vehicle Replacement |
No Cover |
Yes, if within first 6 months, 60% Damage, new car will be
provided |
No Cover |
No Cover |
|
Liability Cover |
£1,000,000 |
£1,000,000 |
£5,000,000 |
£5,000,000 |
|
Personal
Accident Cover |
£5,000 for death, loss of leg/arm, loss of
sight in one/both eyes |
No Cover |
No Cover |
No Cover |
|
Medical
Expenses |
£150 pp |
£100 pp |
Yes no limit |
£100 pp |
|
Personal
Belongings Cover |
£50 (See exclusions) |
£100 (See exclusions) |
No Cover |
Yes |
|
Replacement Locks |
No Cover |
Cover provided free |
No Cover |
No Cover |