Benefits of our Van insurance policies
- FREE Breakdown Membership
- FREE Motor Legal Cover
- Optional Tools in Transit Cover
- Flexible Deposit
- UK Contact Centres
- 24 Hour Claims Service
£40.00 OFF Multi-Policy!
For every additional policy you take out with us, we’ll give you £40 off! To benefit from this offer, then all you need to do is purchase online by clicking get a quote and use the discount code ‘GIVEME40’
Terms & Conditions apply: Discount code can only be used on new business policies bought direct on our website or direct via our contact centre. Must have one other live policy (that is not pending cancellation) with no overdue balance owing. Discount can be applied to multiple policies. Discount will be removed at renewal. Discount only valid on car, home, van and motorcycle policies.
Getting you our best van insurance quotes
One Call Insurance acts as a comparison site at new business and will compare prices from our own panel of providers which offers a fair analysis of the market, and that of Quotezone.co.uk. If we can't provide you with the best quotation then we will show you the best available elsewhere!
If you choose an alternative to One Call then you will be transferred away from our website. We offer a non-advised service to our consumer which just means we cannot provide a recommendation, however we will provide you with enough information to be able to make an informed decision. If you unfortunately have any issues with the cover you have purchased via Quote Zone please contact your chosen provider directly
Whether you have a Transit van for personal use, you’re a plumber with a Boxer or a scaffolder with a Vivaro; you’ll need to insure it. Differing in cover and complexity from car insurance, finding the right van insurance policy at a good price can seem daunting; thankfully we have a solution.
The days of ringing around to find the best van insurance deal are over; meet One Call Insurance, we compare van insurance quotes from a list of leading providers and cut out the time and hassle associated with doing the leg work yourself, after all - time is money.
Van insurance policy features & benefits
At One Call Insurance, depending on the cover you choose, we offer a whole host of features and benefits. These include:
Tools in Transit cover
Tools in Transit insurance provides cover for the cost of repairing or replacing tools that are lost or damaged while being loaded and unloaded as well as tools that are being transported in your van at the time of a theft, fire or accident.
24 Hour Claims Line
Disasters never strike at a convenient time, that’s why our UK based claims team are here to assist you 24 hours a day, 7 days a week. Enabling you to report an incident as soon as it happens, it also speeds up the process of getting a claim settled and paid-out.
Free Van Breakdown Membership
When you compare and buy van insurance via One Call Insurance; you’ll benefit from our Free Van Breakdown Membership, with additional upgrades available for those who need it. With a standalone value of £39, it not only saves you money but also eliminates the hassle of having to manage multiple payments, companies and renewals.
Free Van Legal Cover
At One Call Insurance, our van insurance comes with Free Legal Cover included as standard. Providing legal advice following a non-fault claim, it also includes a referral to a solicitor who can act on your behalf and gives you access to a 24 hour legal helpline.
Standard van insurance
Standard Van insurance comes in three levels of cover (Comprehensive, Third Party Only and Third Party, Fire & Theft). Here’s how they differ:
Comprehensive - Comprehensive van insurance is the highest level of cover available. It incorporates everything that is covered under Third Party Fire & Theft with the addition of cover for damage to your van and medical expenses resulting from the treatment of an injury suffered by you.
Third Party Fire & Theft - Sitting in middle, Third Party Fire & Theft covers everything under Third Party Only insurance, but also provides cover for a van repair or replacement if required following a fire or theft. However, if you are involved in an at-fault accident; it won’t cover you for damage to your own van or medical expenses resulting from an injury suffered by you.
Third Party Only - Third Party Only van insurance is the minimum level of cover that is permitted by UK law. It covers costs associated with injuries suffered by third-parties, damage to their vehicles and third-party owned property i.e. walls, fences, buildings.
However, Third Party Only van insurance won’t cover you for damage to your own van – if it requires repair or is written-off following an at-fault accident, fire or theft; you’ll have to cover the bill yourself. It also won’t cover you for the cost of medical treatment if you suffer an injury in an at-fault accident.
Specialist van insurance
Aside from the above three options you’ll also have to consider whether you will be using your van for work. If so, you will need to declare it when you get a quote for van insurance and ultimately may be better off with commercial van insurance. Depending on the type of work you do; you might need:
Courier insurance - Insurers tend to offer specialist insurance for vans that are used by couriers. Unlike standard van insurance, these specialist policies are designed to provide cover for you as a courier, but also the contents of packages that you carry (i.e. other people's goods). Some policies also provide cover for 'high value' items, but you will likely have to pay more for it.
Goods in transit insurance - You'll need 'goods in transit' cover if you use your van to transport dangerous, hazardous or valuable cargo between locations. Without it, any cargo that is lost or destroyed while in your van might not be covered.
Pickup truck insurance - Pickup trucks are often classed as vans due to their long wheel base. However, not all insurers that offer van insurance will provide cover for them and you may therefore need to take out a specialist pickup truck insurance policy.
Tools left in your van overnight - Not all van insurers will provide cover for tools that are left in your van overnight and those that do might require you to have an accredited anti-theft device fitted. For comprehensive tools cover (tools being loaded, unloaded and stored), you might want to consider a tool insurance policy.
Track days - A standard van insurance policy won’t cover you for use on a race track. It also won’t cover you for things like drag racing, banger racing or any other form of motorsport.
Unprecedented events - Almost all insurance policies have a clause that protects the insurer from having to pay out for claims resulting from unprecedented events such as acts of war by foreign nations, civil war, mass rioting and more.
We all like the sound of cheaper van insurance, right? Well, there are a number of things you can do to genuinely reduce the amount you'll have to pay to get cover. These are:
Compare van insurance - Purchasing off the back of the first van insurance quote you receive isn’t likely to result in you getting the best price. What you should do is compare quotes from different van insurers. At One Call Insurance we do just this, enabling you to complete one quote form and receive a list of price ordered quotes from a panel of insurers, it cuts out the hassle usually associated with finding the right cover at the best price.
Secure your van - You might be able to get a discount on your van insurance if you have an accredited anti-theft device fitted. Such devices might include a Thatcham approved alarm, a GPS tracking device, a deadlock or even an anti-pick cylinder.
Don’t over estimate your mileage - Overestimating your mileage could result in you paying more for your van insurance that you need to. However, underestimating isn’t the answer as it will likely invalidate your insurance policy.
Build up your No Claims Discount (NCD) - As with car insurance, when you have insured a van for a year without making a clam, you'll receive one years’ NCD, and so on for every subsequent year. If you move insurers you’ll be able to take this discount with you, but it can only be used on one policy at a time.
Don't leave it to the last minute - Buying van insurance with a start date of today will likely result in a higher premium than you might have paid if you'd bought it a couple of weeks before the required start date. This is because insurers often load the price if the start date you enter when completing a quote is nearby. It therefore makes sense to act as soon as you know you'll need cover, whether it is for a new van or at renewal.
Increase your voluntary excess - Adding or increasing your voluntary excess can reduce your premium. However, you’ll have to weigh the reality of having to pay it if you need to make a claim up against the extent of the reduction it triggers in your premium.
Van make & model - To begin you'll need your van registration number. If you don't know it, but do know the make, model and derivative i.e. Ford Transit Connect 1.5 L2 210 Base, you can enter this and add in the registration if and when you decide to buy van insurance.
Policy holder - Details of the policy holder (this should be you). You'll have to provide information like your title, full name, DOB, home address, marital status, number of dependants and occupation.
Named driver(s) - If you'd like to insure one or more additional drivers on your policy, you'll need to gather some information from them. This includes, but isn't limited to their title, full name, DOB, home address and occupation as well as details relating to their driving history i.e. type of licence, number of years they’ve held a licence and information relating to any claims and convictions from the previous five years.
Modifications - You'll need details of any modifications. This might include, but isn't limited to things like internal or external racking and refrigeration units. For more specialist or completely custom modifications you might want to consider modified van insurance.
Intended use - You'll need to provide information relating to how you intend to use your van. Firstly, will it be for personal or commercial use or even a combination of both. Secondly, will you be transporting packages that are owned by a third party or will you be transporting high value items or even hazardous items.
Claims & convictions - Details of any claims you have made and convictions you have received in the previous five years. For claims, this includes any loss or damage that has been discussed with an insurer, even if the claim was dismissed or you choose not to proceed with it. Meanwhile, for convictions, you must declare them whether they are pending or pre-existing.
It is a requirement to promptly report all incidents even if you do not wish to claim for your own damage. If you are involved in an incident, or your vehicle is damaged, stolen or vandalised, you will need to call our Claims department on 0203 738 7300.
To ensure we can deal with your claim quickly and effectively, all claims must be reported within 24 hours of becoming aware of the incident, as it may cause difficulties if a claim is reported at a later date.
You must stop if you are involved in any incident. If you own the vehicle, you must give your name, address and insurance details to anyone who has a good reason for asking. This would include authorities and any third parties also involved.
If you do not own the vehicle, you must give the owner's name and address and the registration number of the vehicle. Do not apologise or admit fault in any circumstance.
To help is speed up the process of your claim, and contact anyone else that may be involved, please collect the following information in the event of an incident with a third party:
- Full details of the other driver(s)
- Phone Number(s)/ Contact Details
- Any involved registration number(s)
You also need to make a note of injuries caused, witnesses, police officers and report references. We will then provide you with the support and information you will need to get your vehicle back on the road as quickly and safely as possible.
An unrated insurer is an insurer that does not carry an insurer financial strength rating given by international rating agencies, such as Standard and Poor’s 500 index (S&), Moody’s, Fitch Ratings and A.M. Best. An insurer financial strength rating ‘provides an assessment of the financial strength of an insurance organisation’ and its ability to pay claims to its policyholders.
Each agency has its own methodology, but ratings are usually organised on a scale based on letter grades to indicate the degree of credit risk. For example, an ‘A’ rating means that the insurers have an excellent ability to pay out claims, while a ‘C’ rating means that the insurer has a weak ability to pay out claims.
Some unrated insurers have been trading in the United Kingdom for many years, and so failure is not seen as likely, but this is not any sort of guarantee and such firms can fail given the appropriate combination of circumstances. However, just because an insurer is rated does not mean they cannot get into difficulty.
Risks of using an unrated insurer include:
- Unrated insurers may be based overseas and outside the influence of UK regulation. The home state regulation they are subject to may be less intrusive, less rigorous or a lighter touch than that of the UK Prudential Regulation Authority (PRA) / Financial Conduct Authority (FCA).
- In the event of an overseas insurer failing, claims may have to be directed to an overseas equivalent of the UK Financial Services Compensation Scheme (FSCS), and this may bring delays in dealing with the claim.
- Unrated insurers lack independent corroboration of the quality of their current financial stability. As your Insurance Broker, we carry out monthly due diligence checks on our entire panel of insurers, Underwriting Agencies & Managing General Agents and the underlying insurance provider. We are confident in the panel we choose to do business with.
Some of the benefits of using unrated insurers include the following:
- You may only be able to source cover from an unrated insurer due to your particular circumstances
- They may offer comparably lower prices than an alternative rated insurer
- There is no legal requirement for an insurer to be rated; brokers are not obligated to restrict placing business with rated insurers only