Van insurance FAQs

Questions and answers that relate to Van insurance, including what it is designed to cover, levels of cover that are available, where insurance applies to and information about No Claim Discounts. This information is provided as a guide only, and if you have any doubts or questions, you can give our expert team a ring on 0800 0280 380.

What does van insurance cover?

A comprehensive policy will cover damage to you and your vehicle, damage to third parties, third party vehicles and third-party property, fire and theft.

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Is van insurance required by law?

You’re only required by law to have Third Party insurance.

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What is Legal Expenses insurance?

We work in partnership with a motor legal expenses insurer to provide you with comprehensive legal expenses insurance and manage your fleet insurance claims.

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What is the difference between a courtesy vehicle and a replacement vehicle?

A courtesy vehicle is one that will keep you on the road while your van is repaired. A replacement vehicle is one that is similar to yours.

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What is 24/7 Tools insurance?

24/7 Tools insurance is an optional extra you can add to your van insurance policy.

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I don't use my van for commercial purposes, can I still insure it through you?

Yes, if your van is for private use, we can insure it.

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What types of commercial vehicles are covered by your Van insurance?

We can provide cover for small vans, transits and vehicles weighing up to 3.5 tonnes.

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Do you offer a No Claim Discount on van insurance?

Yes, we can offer up to 70% No Claim Discount on commercial van insurance, with your proof of no claims.

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Do you insure vans registered in Northern Ireland?

No, we don’t currently insure vans registered in Northern Ireland.

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Do you insure vans registered in the Channel Islands?

Yes, we insure vans registered in the Channel Islands.

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How can I pay for my policy?

We currently offer two ways of paying for your van policy.

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How do I get my documents?

Your insurance documents will be posted to you the next business day.

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Can I manage my policy online?

No. You will need to contact our team to make changes to your insurance policy.

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How do I notify you of a claim?

We know how stressful making a claim can be, so we have a comprehensive list of all claims contact numbers on our making a claim page.

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Any more questions?

If you have a question that's not answered here, please give us a call.


Call us on 0800 0280 380


Full details of our Terms & Conditions, Limits, Excesses and Policy Exclusions can be found in our Policy Wordings. These guides refer to our Tradesmans’ Insurance policy. Trade Direct do not offer advice relating to insurance, and you need to ensure that insurance you choose meets your demands and needs.