Insurance

Summary of cover

Below is a comparison of our van insurance plans to help you choose the right policy for you.

Find out further information on the policy or investigate the extra cover options you can add to your private or company van insurance cover by selecting the benefits in the table below.

Key

= This cover is included subject to listed limits and excesses
= This cover is not available as part of third party, fire and theft insurance
= This only applies for loss or damage caused directly by fire, theft or attempted theft and is subject to listed limits and excesses
= Optional cover available at extra cost

Your vehicle

Type of cover	Comprehensive cover	Third party, fire and theft	Excesses	Policy limits
Loss, theft of, or damage to your van			For loss, theft of, or damage to your van when driven by someone a. aged 20 or under £520 b. aged 21 to 24 £420 c. Aged 25 or over £270 along with any other voluntary or other compulsory excesses	Market value of your van
New van replacement (where applicable)
Audio equipment
Fixtures and fittings
Glass in the sunroof windscreen or window			Don't pay the excess above, but pay first £60 replacing glass. No excess if the glass is repaired
Accident recovery			Excess applies for the accident only
Medical expenses			No excess applies
Emergency medical treatment				Up to £100 for each injured person
Personal belongings				£100 limit per incident
Replacement locks

Liability to third parties

Type of cover	Comprehensive cover	Third party, fire and theft	Excesses	Policy limits
Your liability			No excess applies	£1,000,000 for property
Liability of others using your van
Legal personal representatives
Legal costs
Insurance for the owner of the vehicle (leasing or contract hiring agreements)
Injury to you or your partner				£2,500 in any one accident £5,000 over one period of insurance
Foreign use - (EC compulsory insurance)
No-claim disount				Up to 5 years Up to 70% off your premium

Additional cover options

Type of cover	Comprehensive cover	Third party, fire and theft	Excesses	Policy limits
Legal services and advice				£50,000 for Insurance Members and £100,000 for Membership Plus for insured event (1) £10,000 for insured event (2) £10,000 for insured event (3)
Emergency replacement van cover				7/14 day options
Extend your foreign use cover				7/21 day options
Protect your no claims discount				Less than 2 consecutive claims in 5 years do not affect no claims
Physiotherapy				Up to £400 for each insured person

For more information on cover, please see our van insurance wording.