Specialist Van Insurance Brokers
With over 45 years in the business, we take pride in helping to insure the “uninsurable”. Whether you’re using your van for family holidays or you’re a classic van enthusiast, our customer services team has seen it all. Our combination of underwriters and bespoke software helps individually assess your risk so you get the protection you need.
Here are some of the more specialist van situations we cover. Please note this isn’t an exhaustive list!
- Refrigerated vans
- Catering vans
- Dog-grooming vans
- Vans carrying toxic or hazardous materials
- Converted vans
- Tipper trucks
- Short-term cover – from one day to six months
- Insurance for drivers with convictions
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
How much is classic van insurance?
Insurance for your classic van doesn’t have to break the bank. There are several ways you can reduce the cost of van insurance.
Plus, did you know that 82.4%* of our customers would have got a cheaper insurance quote if they’d spoken to us over the phone instead of going online? Call us now and we’ll try to beat any other quote you’ve received.
The following methods can also help you get cheaper van insurance:
Add security features
Vans often carry expensive goods and tools. According to the BBC this is resulting in an epidemic in tool theft, with a theft occurring every 23 minutes in the UK. In a lot of cases, a dashcam, immobiliser or GPS tracker will help reduce your insurance premiums.
Pay annually
In general, paying your van insurance quote will be less expensive if you pay for it annually instead of monthly. Of course, this will depend on your situation.
Shop around
Compare quotes using comparison sites and phone around, but we suggest that after you shop around, you always call us after. Wherever possible, we aim to beat your quote.
How you’re using your van
The type of insurance you need will depend on how you’re using your van. For instance, if you aren’t using it for commuting or commercial use, this can reduce your level of risk in the eyes of your insurer.
Park in a garage
If your van is parked in a secure place like a garage, this reduces the likelihood that your van will get stolen or broken into. This will therefore help you get cheaper insurance rates.
Don’t automatically renew
When your van insurance expires for the year, the easiest thing to do is let your policy renew automatically. However, according to Which?, this could be costing Brits up to £1.4bn every year. With a little extra effort, you could be saving hundreds on your next van insurance bill.
Limiting your miles
While this is probably not suitable for couriers, it could be an option if you use your van for less than a few thousand miles a year. We were actually the pioneers for this type of policy, so we’re always proud when we can get you a great deal based on your own individual circumstances.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Van insurance without the leg-work: we compare quotes for you
Going through an aggregator requires work on your part, and 60% of the time comparison sites get information wrong about the policy they’re promising you. Call us now to talk us through your situation. We’ll ask you a few questions and provide you a quote specific to you.
Over the last 45 years, we’ve built personal relationships with over 40 insurers, meaning we can often give you a better deal on your van insurance than other providers. Better yet, you don’t have to input all your details manually; speak to us over the phone and we’ll input your details!
Extra Benefits
Agreed Value
Agreed Value Car Insurance
Owning a car that you really care about makes it all the more important to get proper compensation should you need to make an insurance claim. Our agreed value car insurance is a great way of tailoring your insurance to you.
A wide range of vehicles, from classics and performance cars to modified cars and imports, would benefit from guaranteed value car insurance. Phone us now to see if your car is one of them.
Excess Protect
Excess Protect
Even though having the right insurance can save you money when you need to claim, your policy excess could still run into hundreds of pounds.
Our excess protect policies will pay your excess for you, up to an annual limit, if you need to make a claim on your policy – saving you money.
The amount of excess you have to pay depends on your policy and can be found on your policy documents. If you opted for a voluntary excess this is an extra amount on top of your compulsory excess, which can bring your premiums down, but is payable on top of your compulsory excess when you make a claim.
We offer excess protect cover at different levels to suit your policy. Speak to a member of our team to find out more and to add it to your policy.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Keycare
Keycare Insurance
If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.
For just a year, our five-star Keycare insurance policy will cover locksmith expenses, replacement locks and keys, car immobiliser replacement costs, car hire costs, and transport costs if you’re stranded, up to a value of £1,500.
We’ll pay out if your keys are stolen, locked inside your home or vehicle, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.
For more information and to add Keycare to your policy, speak to a member of our team today.
SORN & Build Up Cover
Laid-up Insurance, SORN Insurance and Build-up Cover
Even when your car is unused and parked in a garage, it can be damaged by accident or by fire and can even be targeted by thieves and criminals. To help keep your motor intact while you aren’t using it, we can offer laid-up insurance.
From kit cars being built to SORN insurance, cars laid-up in need of repairing, to ones you only use seasonally – whatever your reason for keeping a vehicle off the road, we can find you cover.
We are also able to offer insurance for cars that won’t be used on the road, but aren’t laid-up. We have policies available for track cars, show cars and even purely off-road cars (vehicle must have a unique identification number, such as a chassis or engine number); as long as you won’t be driving on the road you could get discounted insurance to help cover your motoring hobbies.
Misfuel
Misfuelling Insurance Cover
A staggering 400 people every day put the wrong fuel in their car – that’s 150,000 people every year!
The damage caused by filling your car or van up with the wrong fuel can be catastrophic, and lead to hundreds, if not thousands, of pounds worth of repairs being carried out.
With misfuel cover, as long as you’ve realised your error before driving away we’ll cover draining the fuel from your car, tow you to a garage if we can’t help at the pump, and provide £10 of fuel to get you on your way again.
Public Liability
Public Liability Car Insurance From £19.99
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Spare Parts
Spare Car Parts Insurance
Whether you own spares for your kit car or are in the process of modifying your day-to-day motor, are collecting parts for a future mod or have just got a few old spares lying around, your standard insurance policies could be leaving your vehicle spare parts dangerously unprotected.
Sadly, most household insurance policies exclude cars and their unattached parts, and even those that do offer cover could end up costing you dearly with high excesses and the premium rises after a claim.
But, with Adrian Flux’s Spare Parts Insurance, you can get cover for storing thousands of pounds worth of spares at home or in your car from as little as .
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FAQs
Is My Van Insured?
If you’re unsure, the best way to check is through the Motor Insurance Database (askMID). This is a free online tool that allows you to check if your vehicle is insured. All you need is your vehicle registration number.
Which Type of Insurance Do I Need?
Like standard car insurance, there are three different types of van insurance. The type of cover you need will depend on several factors, including the type of van you drive and what you’re using it for.
- Third party only: this is the minimum level of cover you can get. If you’re involved in an accident, this type of insurance will cover you for any damage caused to another vehicle. However, it won’t cover any damage done to your car or medical cover.
- Third party, fire and theft: this will cover you in the above circumstances, with additional protection for your vehicle against fire and theft.
- Comprehensive cover: this is the highest level of insurance you can get. In the event that you get involved in an accident, any damage to your person, your van, or the other person’s vehicle and person will be covered.
I’m Having Trouble Getting Van Insurance – What Can I Do?
Factors like carrying hazardous materials, having a previous conviction, or driving a modified van can all raise alarms for some insurance providers. If you’re struggling to get a quote, contact us. We have a panel of over 30 insurers, meaning we’re often able to insure the “insurable”.
Am I Already Insured If I’m a Van Courier?
This will depend on the company you work for, but we’re seeing a lot more cases where you won’t be covered through your company. We recommend that you check with your manager, and if you don’t have a policy, contact us to find out how we can help. Whether you’re a courier for a large corporation or you work for a small business, we should be able to help you!
Can I Get Young Driver Van Insurance?
Whilst van insurance policies do exist for young drivers, a number of insurance providers won’t even consider insuring drivers under 21 or 25 on a van. Thankfully, we work with a wide range of insurers who will consider each case individually. We’ve even insured 17 year olds before!
If you’ve already been driving for a year or two in a standard car or moped, let us know. A clean record or no claims bonus on a previous vehicle could actually help your case as you already have accident-free experience on the road.
Can I Drive a Van on My Car Insurance?
In most cases, having comprehensive car insurance means you can drive a van. However, in this case you will usually only be covered for third party damage. This means that you’ll have to pay out of pocket for any damage done to your van.
It’s always best to speak to your insurance provider or broker. If you have a policy through us, give us a call on 0344 381 6504 and we can look into your coverage policy.
Can I Transfer Van Insurance to a Car?
In some cases this is possible, though it will depend on who you’re using as an insurer. If you’ve purchased insurance through us, give us a ring and we’ll let you know if it can be done.
Can I Insure My Van as a Campervan?
I’m Moving, Can I Get Van Hire Insurance?
Hiring a van can be stressful, and even more so if you’re confused about insurance. We have short-term van insurance policies available, from as short a period as one day. Contact us for more details!
Can You Claim VAT Back on Van Insurance?
VAT isn’t actually charged on insurance, so there’s nothing to recoup when you take out a policy on your van.