Insurance

Van replacement

We understand that the loss of your van through theft or accidental damage can be extremely inconvenient, particularly if you use your vehicle for business. And we also know that hiring a replacement is not cheap. Van insurance from RAC Direct provides you with the option of a replacement vehicle as part of your cover to make your life that little bit easier.

• What is covered
• What you are responsible for
• The replacement vehicle will be a...
• Availability of replacement vehicles

What is covered

In the event of an insured incident which has been reported as such to us and a claim (excluding glass) has been made in respect of that vehicle
And your van is unavailable for use by you, the supplier will supply a replacement vehicle until:

• Your van is recovered, or
• Your van is repaired, or
• A settlement offer is made by us where your van is deemed to be beyond economical repair up to a maximum period of 7 or 14 days as shown on your insurance schedule whichever is earliest.

During this period the vehicle will be insured as a replacement vehicle under this insurance. However, if cover on your van is restricted to Third Party, Fire and Theft, then cover on the replacement vehicle is increased to Comprehensive cover. Any incident relating to the replacement vehicle may affect your no-claim discount.

What you are responsible for

• The cost of fuel used
• Collection and delivery charges where applicable
• Any charges for the fitting of accessories
• Any excess which would have applied to your van which is temporarily replaced
• All charges and costs where the vehicle is on hire for more than seven or fourteen consecutive days whichever is shown in your schedule

The replacement vehicle will be a...

The replacement vehicle will depend on the option you selected which is shown on your schedule. It will either be a:

• car-derived van which is a van styled on the car equivalent where the front end is a car and the back end is a van; or
• panel style van; or
• LWB (Long Wheel Base) panel style van; or
• enhanced courtesy car which is a 5-door car with a 1.6 litre engine and room to seat 5 people
• Replacement Vehicles supplied under this section are of standard type and don't include:
  • specialised vehicles such as pick-up trucks, tippers or refrigerated vans
  • any trailers or semi-trailer

Availability of replacement vehicles

While every reasonable effort will be made to supply a replacement vehicle, neither we nor the supplier will be liable to pay any compensation nor provide a vehicle from any other source if a suitable vehicle is not available.

Return of replacement vehicles

The replacement vehicle will be supplied on the condition that it will be returned to the depot which supplied it unless alternative arrangements have been made with the supplier.

• For more information see our van insurance wording.