Van Insurance

There are currently tens of thousands of vans registered in the UK; all of these vans require at least the legal minimum level of cover to be able to lawfully drive on UK roads. constructaquote.com provide quotes from a panel of specialist van insurers to get you the right cover in minutes.

Trust is a huge factor for you, so here goes:

  • Over 20% of our customer paid £266 or less for their van insurance!*
  • No excess to pay in the event of a non-fault claim
  • Full accident management service for all accidents
  • Like-for-like vehicle in the event of a non fault claim

*Based on all purchases of van insurance purchased direct from 1st June 2015 to 31st August 2015, excluding

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I was pleased to get a policy at a competitive rate in the beginning, then I had my licence revoked for medical reasons. The team were helpful and supportive, and managed to get me a policy with Aviva so my friend could drive me with me as a non driver but with full comprehensive cover. When my licence was reinstated seven weeks later, I reverted to my old style policy at a cheaper rate. Well done constructaquote.

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Insurance for vans

Take to the road in any kind of vehicle, bicycle or walk along it as a pedestrian and sooner or later you are going to pass a van. It is a certainty simply because there are currently tens of thousands of vans registered for use on the UK’s roads.

Why are there tens of thousands of them? For the very good reason that the van has proved to be the ideal workhorse of a vehicle for so many of the hundreds of thousands of small businesses that keep the country’s economy on the go.

A van is the truly all-purpose vehicle. It might be used to get you and your employees from one place to another; it might be used to transport your own materials, supplies, tools and equipment from one site to another; or it might even be used to carry a customer’s goods from one address to another. It is hardly surprising that the humble van is quite so ubiquitous.

Those vans come in all shapes and sizes, makes and models, ages and conditions. But if there is one thing that every single one of them shares in common, it is that it needs to be insured.

Matching the van insurance you need to the particular policies on the market, and those which meet your own individual business needs, may call for the specialist, expert advice and guidance of brokers such as us here at constructaquote.com.

Why us?

  • Thanks to our ability to secure competitive prices, more than 20% of our customers pay £266 or less each year for their van insurance*
  • With every van insurance policy sold, we add a free claims assist package
  • This gives you access to a full accident management service for all accidents
  • If it is a non-fault accident, there is no excess to pay
  • And a like-for-like replacement vehicle is provided for the time your own is out of action following a non-fault claim

The ins and outs of insurance for vans

If you have a van, it needs to be insured. The law is unequivocal on that score and makes it a requirement even if the van is parked and kept off road – unless you have obtained an official statutory off road notification confirming that you are not going to be using it.

Whatever the temptation to cut corners and duck this legal requirement, it is likely to come at a high price and one to be ignored at your peril. The law imposes stiff penalties if you are the keeper of a vehicle that does not have the legal minimum of third party insurance. If that vehicle is being driven whilst uninsured, the penalties are even stiffer.

So, you decide to play by the game and arrange cover for your van. That leaves you with the decision of whether to restrict the level of insurance to the legal minimum of third party cover only or seek to provide the greater protection of third party, fire and theft or fully comprehensive insurance.

Levels of van insurance

If your cover is limited to third party only, you are able to meet any claim from a third party who might be injured or have their property damaged as the result of the way your van has been driven, but this level of insurance offers no protection to the vehicle itself.

For that, you might need third party, fire and theft insurance, which – just as the term suggests – also provides protection against the risk of the vehicle being damaged or destroyed by fire or stolen.

In recognition of the pivotal role your van may be playing in the essential day to day operations of your business – and the difficulties you might face without it – you might choose comprehensive insurance. This protects the vehicle against all forms of damage and helps to ensure that the funds for repairs or replacement are readily available following any accident.

constructaquote.com aim to make the process of making a claim considerably easier for our customers, especially if it is a non-fault claim.  The legal expense policy offered with this insurance, subject to certain terms & conditions, can provide legal support if you, your driver or a passenger is injured in an accident and that a like-for-like replacement vehicle is provided to you throughout the period of repair and settlement of your claim.

That replacement vehicle is either delivered to your door or, if you prefer, you may get it directly from one of the 300 or so depots to which we have access across the UK.

Why is Tradesman Liability insurance important?

There is no law requiring you to have Trades insurance, but without it, you might lose the opportunity of landing some of the contracts you are chasing. The simple fact is that the appropriate insurance gives your customers a degree of reassurance that if something goes wrong, you are adequately covered to make amends.

Goods in Transit

We also recognise any concern you may have to protect whatever load you might be carrying in your van. Whether the load comprises items you own or whether the van is transporting goods or materials owned by one of your customers, our Goods in Transit insurance is available to protect them against theft, loss or damage.

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