Van Insurance

Helping to keep your business on the road, whether you own one van or a small fleet of five.

Finding commercial van insurance to suit your business needs can prove tricky. Our team of van insurance specialists will tailor a policy to suit your requirements. Choose between comprehensive, third party, fire and theft or third party only cover, and a range of extras including European cover and legal expenses.

0344 346 0142
0344 346 0142 Weekdays 8.30am - 5.30pm
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Van insurance features

  • Replacement vehicle cover for up to seven days if your vehicle is stolen

  • European cover for your vehicle, trailers and windscreen for up to 30 days

  • Legal expenses incurred by and relating to your defence following an accident or injury to a third party

  • Loss of key cover for up to £1,500 per year to help with locksmith charges, new locks and keys, car hire and transport costs

  • Breakdown cover - optional roadside assistance

  • Windscreen cover should your glass be damaged or broken

  • Trailer cover should an accident occur resulting from the trailer you are towing

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Van insurance exclusions

  • Policy excess starts from £100 and varies according to age, type of vehicle and driving experience

  • Wear, tear and depreciation of the vehicle

  • You must be over the age of 21

  • You must have at least one year's no claims discount

  • If the purpose of the vehicle is to courier or deliver

  • The vehicle must not weigh over 3.5 tonnes

  • Loss of or damage to your vehicle or its contents by theft or attempted theft if the van has been left unlocked, left with the keys inside, left with the windows or roof panel open, or if reasonable precautions have not been taken to protect it

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Van insurance FAQs

Do I need Van Insurance?

Van insurance is a legal requirement in order to protect you and other road users in the event of an accident. If you do not currently have a valid van insurance policy you could face a heavy fine and receive penalty points on your driving licence. Furthermore, you potentially face losing your licence, which could have a huge impact on the viability of your business and future income.

Can I cover more than one vehicle on my policy?

Yes. You can cover multiple vehicles on the same policy and these can be a combination of cars and vans. Simply call us in 0344 892 1385 for a quotation.

Is my van covered abroad?

Yes, however your cover will be restricted to EU countries only and for a limited amount of time (usually 30 days).

I have comprehensive cover on my van; can I drive other vans?

No. Our insurance policies do not extend to cover driving other vehicles.

I want to add a driver to my policy; what details would you need?

When adding a driver to a policy we will need to know:

  • The driver's full name.
  • Their date of birth.
  • The date they obtained their Full UK driving licence.
  • If the driver has had any claims or accidents in the past 3 years.
  • If the driver has had any convictions in the past 5 years.
  • If the driver has any disabilities we should be aware of.
  • The driver's occupation.
  • Will they be an occasioned or main driver?
Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Van insurance claims promise

At Towergate we believe in being proactive when it comes to your claims management, getting your insurer involved as soon as possible to reduce the time it takes until settlement, ensuring you are back on the road as quickly as possible and keeping claims costs down. In fact, the first two days following an incident are critical in the handling of your claim.

Making a van insurance claim

It is important to report all incidents to your insurers, including cases where there is little or no damage to your vehicle. This will help your insurance company to defend you against claims made by a third party. While all incidents should be reported directly to your insurer, our in house team are always on hand should you need additional support or if you have concerns about the claims process.

To report an incident please call your insurer directly using the telephone number within your policy documents, where you will also find the claims team opening hours. In most cases your insurer will be available at any time, day or night. Alternatively you can contact the business support team at Towergate on 0344 892 1385 and we will put you in touch.

Your insurer will correspond with you directly with the progress of your claim and they will keep us updated at all times.

0344 346 0142
0344 346 0142 Weekdays 8.30am - 5.30pm
Get a quote Request a callback
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