Van insurance five star rated defaqto

Van insurance

Defaqto 5 Star rated van insurance

What is van insurance?

The humble van – is any vehicle more versatile? It doesn’t matter whether you use your van to pack in the surfboards and take the kids for a road trip to the coast or to load your tools every day for work – our van insurance makes sure you’re covered against accidents, damage and theft. We’ve got loads of different options and add-ons to offer, so you can tweak your cover until it fits you like your very own seatbelt.

Benefits of van insurance

  • Tool cover

    Someone breaking into your van and stealing your tools could be a disaster for your business. But don’t worry – as long as there was forced entry to your van our comprehensive cover gives you up to £500 to get some shiny new ones. 

  • Repair guarantee

    We guarantee the quality of repairs made by our approved repairers for as long as you own your van, even if you change insurers. The parts used are covered for length of the guarantee given by the manufacturer or supplier. Wear and tear is not covered. You must keep your vehicle roadworthy.

  • Glass replacement

    If your van’s windows or windscreens get damaged we’ll help you pick up the pieces. Not literally – but we will help you sort out a repair or replacement as quickly as possible.

Types of vans covered

Pick the option that fits you to make sure you’re getting the right kind of van insurance. We can cover most vans with a gross vehicle weight (GVW) of under 3.5 tonnes and electric vans with a GVW of up to 4.25 tonnes.

Business van insurance

If you use your van for work – like carrying tools, driving to and from job sites, or using it to help run your small business – you’ll need our business vehicle and van insurance. You can register the van in your own name if you’re a sole trader, otherwise it should be registered in your company’s name.

Start by getting a business vehicle and van insurance quote

Personal van insurance

Maybe you’re a keen gardener and your van is piled with pots or you’re an enthusiastic surfer and need plenty of space to carry your boards. If you only drive your van for social use (and not as part of a small business or your working life), our personal van insurance could be what you need.

Start by getting a personal van quote

Do you already have van insurance with us?

Knowledge centre

Browse through our reading list of articles in your own time and build up your knowledge on van insurance.

Find out more

What our van insurance covers

That depends on what kind of cover you choose: comprehensive van insurance or third party, fire, and theft.

Comprehensive van insurance

What’s covered

  • Loss, theft or damage
    Cover if your vehicle is lost, stolen or damaged
  • Vehicle recovery
    If you have an accident, we'll get your vehicle going with roadside repairs, or cover up to £150 for accommodation or public transport
  • Tool cover
    If your van is broken into and your tools stolen, you’re covered up to £500
  • Glass replacement
    We’ll cover the costs to replace or repair your van’s windscreen, sunroof, or windows
  • Replacement locks
    If your keys are lost or stolen, we’ll pay to replace locks, transmitters, or immobilisers 
  • Your no claim discount
    Make sure one claim doesn't make years of hard-earned discounts disappear

What’s not covered

  • Business goods
    Any goods or samples you carry for your trade or business
  • Tyres
    Any punctures, cuts or bursts – including those caused by braking
  • Resale value
    We can’t cover you for any loss in value of your van after repair

Take a look at our policy wording to get to the bottom of what’s covered and what’s not.

What’s optional

Sculpt your cover to suit your needs by choosing from our optional extras.

  • Breakdown cover
    Add Roadside assistance, Recovery, At Home and Onward Travel to your Van Insurance. Not available if you live in Northern Ireland
  • Motor legal
    Help recovering your compensation and financial losses after a motor incident that wasn't your fault
  • Courtesy car
    Access to a replacement vehicle – with standard and enhanced options available
  • Foreign use
    Cover driving in most European countries – so wherever you are, you’re protected
  • Motor Injury Protection Plus
    Injury cover and physiotherapy for you, your partner, and any named drivers after a motor accident
  • Protected no claim discount
    Your premium won’t increase as a direct result of 1 claim when you renew

Third party, fire, and theft

What’s covered

  • Damage to your van
    Protection against loss or damage to your van due to fire, theft, or attempted theft
  • Van recovery
    Protection and removal of your van if damaged by fire, theft, or attempted theft
  • Your liability
    Cover if you injure someone or damage their vehicle or property in a motor accident

What’s not covered

  • New van replacement
    Not included with this type of cover
  • Glass replacement
    Any repair or replacement to glass in your windscreen, sunroof, or windows
  • Medical expenses
    Any medical expenses if you’ve been injured in an accident
  • Personal belongings
    Damage to any of your personal belongings
  • Replacement locks
    Locks, transmitters, and immobilisers if your keys are lost or stolen
  • Tool cover
    Any replacement tools if your van is broken into

Get to grips with what’s covered and what’s not by looking through our policy wording.

What’s optional

Sculpt your cover to suit your needs by choosing from our optional extras.

  • Breakdown cover
    Add Roadside assistance, Recovery, At Home and Onward Travel to your Van Insurance. Not available if you live in Northern Ireland
  • Motor legal
    Help recovering your compensation and financial losses after a motor incident that wasn't your fault
  • Protected no claim discount
    Your premium won’t increase as a direct result of 1 claim when you renew

How our claims process works

Whatever happens, we’re here when you need us – online and over the phone.

Step 1 of 3

Let us know

If you’ve had an accident, log in to MyAviva to make a claim online (if you're registered).

Or call us on 0345 030 8870 . 

You'll need your policy number to start your claim – so it's a good idea to have this to hand.

For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles.

Step 2 of 3

Expert review

We'll take a look at your claim and work out how best to help you.

We’ll review any photos or documents you’ve sent us as part of your claim and ask you for details of anyone else involved.

 

Step 3 of 3

We’ll respond quickly

We'll get back to you as soon as we can to sort things out.

Depending on your cover, we'll organise repairs to get you back on the road. Or work with you to settle your claim if your vehicle can't be fixed.

Making a claim

Ask our chatbot for online help or to connect with our support teams

Policy documents

Motor Insurance Policy wording

PDF (378.5 KB)

Car Insurance Product Information Document

PDF (77.2 KB)

Car Insurance Important Information Document

PDF (80.6 KB)

Motor cover limits

PDF (138.3 KB)

Motoring in Europe

PDF (254.6 KB)

Rescue from Aviva – Policy wording

PDF (322.6 KB)

About our Insurance services

PDF (31.6 KB)

Ready to get cover?

Just like other motor insurance, our van insurance can cover you and your vehicle against the cost of accidents and damage. Our cover is Defaqto 5 Star rated, and you can get a quote in minutes.

  • Get a personal quote

    Cover your leisure vehicle if you only use it for social, and not for any business related reasons.

    Personal van insurance quote

  • Get a business quote

    Cover your business vehicle if it’s registered in your company’s name or you’re a sole trader and it’s registered in your name.

    Business van insurance quote

Van insurance knowledge centre

Get under the bonnet of van insurance and zoom through our reading list of articles in your own time.

Van insurance for young drivers

See all our articles