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Van Insurance: First things first

Our commercial van insurance provides three levels of cover to choose from:

Comprehensive
Third party fire and theft
Third party only

In addition we offer you the choice of our Premier or Standard packages each specifically designed to suit your individual needs.
Our Standard package offers a comprehensive range of cover plus excellent service to give you peace of mind.
Our Premier package offers you a wider range of cover and gives you the option of selecting additional options such as Bonus Protection.
Optional Extra cover is also available for an extra premium. Please see your proposal form, proposal declaration or policy schedule for the cover you have chosen.

Van insurance at a glance

Features and benefits	Std pack	Premier pack	Comp.	3rd Party, Fire & Theft	3rd Party Only	Significant or unusual limits and exclusions
We will pay for loss of or damage to your vehicle and its accessories and spare parts while they are in or on the vehicle						We will not cover any reduction in the market value of your vehicle because it has had to be repaired. We will not cover mechanical or electrical breakdowns. Your excess(the first part of a claim you must pay) is shown on your policy
We will cover loss of or damage to your vehicle by fire or theft						Your vehicle must be missing for at least 28 days after we have been notified before we will consider it lost by theft. You will not pay an excess if you make a fire or theft claim.
We will replace your vehicle with a new one of the same make and model if you make a claim						Your vehicle must be less than a year old and have damage that costs more than 60% of its value to repair.
Will pay for broken or damaged windscreens or windows of your vehicle and the bodywork being scratched as a result of the glass						Cover automatically given up to a limit of €300
The policy applies while your vehicle is towing a trailer.						We will not cover loss of or damage to the towed trailer. There are some exceptions where trailer cover does not apply, please see your policy document.
We will cover legal liability for damage to other people's property due to an accident as a result of using your vehicle						We will not pay more than €5,000,000
We will pay the cost of emergency medical treatment as required by legislation for injuries as a result of the use of your vehicle						A payment under this section will not affect your No Claims Discount
We will provide for your legal liability for accidental death or injury to other people as a result of using your vehicle						Cover is unlimited
You have cover to drive in the European Union and European-Union approved countries						The minimum cover you need in these countries applies while the policy is in force
You can earn up to 50% No Claims Discount						If you claim, you could lose this discount or it could be reduced
You have a 'step back' facility if you are earning a 50% No Claims Discount. This means that you will only lose part of your discount if someone makes a claim against you or you make a claim for damage to your own vehicle						The 'step back' no-claims discount will not apply if you are convicted of dangerous driving or a drink-driving offence under road traffic laws following an accident.
Your No Claims Discount will not be affected by payments under Section 1(Loss and Damage to your vehicle) for fire and theft claims

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Extra cover for a higher premium

Available with third party only, third party fire and theft or comprehensive policies.

Extra benefits (available on our Premier package only)	Replacement vehicle hire costs in the event of a theft or an accident (up to €40 per day for seven days) Personal effects lost or stolen from your vehicle (up to €250) Replacement lock cover if your keys are stolen (up to €750) Fire brigade charges if your local authority sends you a bill for attending an incident involving your vehicle (up to €1270)
Protected maximum no claims discount (available on our Premier package only)	You can protect your maximum no claims discount if a third party or accidental damage claim is made on your policy.
Injury to driver	This cover will apply if anyone covered to drive your vehicle is killed as a result of a motor accident involving your vehicle. The minimum benefit is €19,000. We can provide higher benefits if you pay an extra premium.
Motor rescue	This will give you 24-hour breakdown assistance at the roadside or from your home or place of business.
Glass breakage	You can add this to your standard cover or you can increase the limit under your premier cover to €750.

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Significant general exceptions and policy conditions

Applies to all sections of the policy

People covered to drive	We will not be liable for any injury, loss or damage while your vehicle is being driven by a person not covered by the certificate of motor insurance.
Using your vehicle	We will not be liable for any injury, loss or damage while your vehicle is being used for any purpose not covered by the certificate of motor insurance.
Driving licence	There is no cover for anyone who is disqualified from driving or has never held a driving licence.
Claims procedure	You must, as soon as reasonably possible, give us notice of any injury, loss or damage which may give rise to a claim under the policy.
Looking after your vehicle	You must take all reasonable precautions to keep your vehicle secure from theft and in a roadworthy condition.
Change of vehicle	You must tell us immediately if you change your vehicle.
Fraud	You are under a duty to tell us all facts likely to influence how we assess and if we accept your proposal. If you do not, we may cancel your policy, declare the contract to be void and refuse to pay any claim under the policy as well as any other rights we may have under the policy. It is in your own interest to mention these facts. If you are in any doubt whether certain facts are important, please ask us.

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Other things you should know about our commercial van insurance

How do you make a claim? The quickest and easiest way is by phone. Contact us day or night on 1890 24 7 365.
Policy duration Your policy will run for 12 months from the date and time shown in the schedule. If we agree to provide cover for less than 12 months, the schedule will show when your policy expires.
Cooling-off period If you are unhappy with your new policy, you can cancel within 14 days by giving notice in writing and returning the certificate of insurance to us. We will refund your full premium, providing no claims have been made on your policy.
Our rights to cancel If we have to cancel your policy, we will send you 10 days’ notice by registered letter to your last known address. As long as you return the certificate of insurance to us, we will return the premium for the period of insurance still left to run.
Your premium Your premium may increase if you make claims or you receive motoring convictions.

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For more information about van insurance

To get a quote, or for more information, complete our online form and we will call you back* or simply call 1890 24 7 365 or drop in to your local branch.

Below are the policy summary (what you have just read in PDF format) and the full policy document for all the details on our commercial van insurance.