Van Insurance Comparison Table

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
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
Do they allow TAD?	Yes max 3 times	Yes = max 14 days	Yes - first 48hrs free, refer claims	Yes
Do they allow TAV?	Yes, up to 3.5 tonnes, max 3 times	Yes. 14 days max	Yes - first 48hrs	Yes
Age range of drivers	17-70	19-70	18-76	25-65
No of drivers allowed?	4	3	2	Insd and 3
Max Comp Value	£35,000	£20,000	£75,000 refer if over	£15,000
Max TPFT value	£15,000	£4,000	No limit	£3,000
Courtesy Car / Vehicle Hire	Option on system with change	Yes if approved repairer used	Yes if approved repairer used	Yes if approved repairer used
Multi seat vehicle	Yes	No	Yes, up to 7 seats	No
Q plates	Yes why? Refer	No	No	No
P Effects / Tools	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
Windscreen Limit	No limit	£150 is non approved	No Limit	£100 if non approved
Protected NCB	Yes	No	No	Yes comp only
Mirror Bonus	Yes - up to 4 years	No	No	No
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
Liability Cover	£2,000,000	£1,000,000	£5,000,000	£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
Medical Expenses	£100 pp	No Cover	£150 pp	No Cover
Personal Belongings Cover	£100 (See exclusions)	No Cover	£100 (See exclusions)	No Cover
Replacement Locks	Cover provided free	Covered (See wording)	Covered (See wording)	Covered (See wording)

Company
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
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

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Liability Insurance – This insurance can provide you with employer’s liability and product liability insurance. We offer a highly competitive standard package with optional extras.
Public Liability Insurance – Public liability is essential insurance for many businesses, especially those working closely with the public. We offer cover of £1m, £2m, £5m, or more on request. Only pay for what you need.
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Professional Indemnity Insurance – This type of policy protects your business against claims for loss or damage if you are found to have been negligent in your duty. This is particularly important if your company imparts professional advice. Our policies cover businesses for a range of circumstances and are very competitive.
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