Van Insurance

Our Van Insurance product takes our customers’ needs into consideration, offering an impressive level of cover. Whether you use your van for business or pleasure, we have the level of cover for you.

  • Defaqto 5 Star Rated
  • 92% of Review Centre users would recommend us
  • RAC Breakdown Assistance and Motor Legal Protection included as standard
  • Tools Cover available to add on to your policy
Get a van quoteRetrieve your van quote

At Dial Direct, we understand how important your van is to you. Whether you use it for business or pleasure, are looking for Fully Comprehensive or Third Party cover; we have the right insurance product to fit your needs.

  • Cover for loss or damage to your van that is caused by accidental or malicious damage, vandalism, fire, theft or attempted theft

  • Cover for any damage to your window screen or the damage to any window- Windscreen cover allows you to recoup the cost of any windscreen repairs, or even a full windscreen replacement if necessary

  • Should your van be involved in an accident with an uninsured driver, that wasn’t your fault, we will reimburse any excess that you will be required to pay should you make a claim

  • Replacement locks if your keys are lost or stolen are covered

Remember that:

  • Loss or damage resulting from incorrect car maintenance or fuelling will not be covered

  • Cover is not provided for the theft of keys that are left in, on or near the car whilst it is left unattended

  • Any loss or damage that may occur whilst the vehicle is left unattended without being properly locked will not be covered

  • Driving other cars is not permitted as part of a Budget Van Insurance policy

What will I get, as standard, with my Dial Direct Insurance policy?

RAC Breakdown Assistance included as standard

Roadside and Recovery included at no extra cost.

What is RAC Breakdown Assistance?

permission. The cover is designed to ensure that if possible, your van is fixed on the roadside. However, if your van can’t be repaired at the roadside, the RAC will take your van and up to 8 passengers to a destination of your choice.

Why would I need RAC Breakdown Assistance?

We know how important your van is to you so it’s important to keep you on the road. Have you thought about what you would do if your van broke down? The RAC are available 24 hours a day, 7 days a week to assist you with any problems that you may come across.

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Motor Legal Protection

Dial Direct offers £100,000 of cover, as standard, should you find yourself in a motor accident that wasn’t your fault and you require legal assistance.

What is Motor Legal Protection?

If you are involved in a motor accident which is not your fault, you are able to claim back any uninsured losses from the person who caused the accident. Motor Legal Protection allows you to do this.

Why would I need Motor Legal Protection?

Motor Legal Protection can help you recover the costs involved with legal action and will generally cover the costs that are not covered by your Van Insurance policy.

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Experienced Driver Discount

Some of our insurers offer savings on your insurance if you have earned No Claims Discount on another vehicle.

What is Experienced Driver Discount vehicle?

You could potentially save on your insurance have built up No Claims Discount on another vehicle. This enables you to apply your earnt discount on a new policy and gives you the option to build up your years No Claims Discount on two vehicles.

Why would I need Experienced Driver Discount?

If you’re an experienced driver you could be rewarded as you could use your no claims discount on a second vehicle, giving you a potential discount on your premium

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Uninsured Driver Benefit

If you are involved in an accident with an uninsured driver, you may incur a loss when it comes to making a claim. Dial Direct offers Uninsured Driver’s Benefit to protect you against this.

What is Uninsured Driver Benefit?

Cover if an accident occurs between you and uninsured driver and it’s not your fault.

Why would I need the Uninsured Drivers Benefit?

Having an accident that isn’t your fault is bad enough and the last thing you want is to find out that the third party isn’t insured. This cover can reduce the stress of a claim and support you when you need.

Transport/Hotel Expenses

A road traffic accident can often leave you feeling emotionally drained, so here at Dial Direct we provide either transport or overnight accommodation if you’re unable to get home after an accident.

What is Transport/Hotel Expenses?

Travel arrangements or one night accommodation will be arranged if you cannot continue your journey following an accident.

Why would I need the Transport/Hotel Expenses benefit?

If you’re in an accident and you can’t continue your journey, you will need either somewhere to stay or replacement transport to get you home. Dial Direct can cover the expenses of this.

UK Claims Helpline

Our dedicated helpline is open 24 hours a day, 7 days a week. To make a van insurance claim, please call our Claims Helpline on 0344 412 2142

UK Contact Centre

Our award winning contact centre is open 7 days a week to help you. If you have any further questions on the cover your policy offers please contact us on our helpline 0334 4122135.

Van Insurance questions answered:

What different levels of van insurance are available?

Just like car insurance, there are three basic levels of van insurance available in the UK; Third Party Only (TPO), Third Party Fire and Theft (TPFT) and Comprehensive.

Third party only

This is the minimum level of cover that is required, by law, in order for you to drive a van.It covers:

  • Liability for injury to others

  • Damage to others property

  • Liability for damage caused whilst towing a trailer

Please be aware that third party fire and theft does not cover accidental damage to your own vehicle or property. This cost will have to be covered by yourself in the event of an accident.

Third party fire and theft

This provides the same level of cover that third party does with the following additional benefits:

  • Damage by fire

  • The theft of your own van

  • Damage to your van caused during an act of theft


Comprehensive cover is the most extensive van insurance cover that is available and includes everything that third party fire and theft does with the following additional benefits:

  • Loss or damage to your own van

  • Windscreen cover

  • Personal effects cover

  • Accidental damage

  • Medical expenses

To get a van insurance quote with Dial Direct please click here.

Do I need to select commercial or private van use?

If you use a van for business purposes, whether that’s delivering goods, holding goods or driving to and from the office you will need commercial van insurance. If you use your van to run daily errands and do not use it to drive to work; you will require personal use insurance.

To get a commercial or private van insurance quote with Dial Direct please click here.

What information do I need to get a van insurance quote?

To get a van insurance quote you will need to have personal information such as your date of birth, address, occupation and claims history to hand. You will also need your vehicle information, this includes; your vehicle registration, make and model, your vehicle use, security information and information on where the vehicle is kept day and night.

It is your responsibility to ensure that to your knowledge, all questions are answered truthfully. If information gathered during the application process is found to be incorrect then your insurance policy and any claims that you make would be invalid and the insurer may not pay out.

Before you make your final decision, always double check your personal information and policy details, making sure the policy you choose has the right level of cover that you require.

To get a van insurance quote with Dial Direct please click here.

What factors could affect how much I pay for my van insurance policy?

Insurers will ask a series of questions when calculating your van insurance quote. This will help the insurer to determine the risk that they are potentially taking and how likely you are to make a claim. There are certain factors that can affect how much you pay for your van insurance, these include:

  • Your claims history

  • The vehicles age and value

  • Additional drivers

  • Driving convictions

  • Medical conditions

  • Where your van is kept overnight

  • Your postcode

  • Proposed annual mileage

  • Your occupation

  • Your vehicles use (commercial or private)

  • Security measures

You may be asked for additional information or specific proof depending on what the insurance provider is requesting.

To get a van insurance quote with Dial Direct please click here.

Why should I choose Dial Direct Van Insurance?

Here at Dial Direct we know that your van means a lot to you. Whether you use it for business purposes or just need it to complete everyday tasks, Dial Direct offers flexible insurance that gives you the chance to choose the level of cover that suits you.

Dial Direct Van insurance benefits include:

    • Defaqto 5 Star Rated van insurance

    • 92% of Review Centre users would recommend us

    • RAC Breakdown Assistance included as standard

    • Motor Legal Protection included as standard

    • Tools Cover available to add to your policy

    To get a van insurance quote with Dial Direct please click here.

Please refer to the policy document for full terms, exclusions and limitations.

Read our full guide regarding van insurance here

Tailor your insurance package

Dial Direct offers premium insurance products with a wide range of features and benefits, allowing you to build a truly comprehensive insurance product that fits with your needs and lifestyle. When selecting a product, please make sure that it meets your individual insurance needs.

Motor Legal Protection

Claim back uninsured losses from the driver at fault after a motor accident. Included as standard with Dial Direct Premier Car Insurance and Dial Direct Van Insurance

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RAC Breakdown Assistance

There to help with any mechanical or electrical breakdown faults on your car or van. Included as standard with all Dial Direct motor policies

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Personal Accident Cover

Financial support to help you and your family if you are injured in an accident. 

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Guaranteed Replacement Van

If your van has been written off or stolen, Guaranteed Replacement Van is here to help

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Tools Cover

An affordable way of insuring your tools to keep your business up and running

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