AA Van Insurance Review

AA Van Insurance

OK, so I know those of you who drive vans don’t have the best reputation among other road users. Phrases like “white van man” and “road hog” are just a couple of favourites used my motorists. It does seem a little unfair considering we wouldn’t be able to receive things like the weekly supermarket shop or those “must have” shoes that were spotted on a recent internet surf if wasn’t for people who drive vans!

You may be forgiven for thinking that because you use a van for business (or personal use), you’ll be punished by insurance companies due to the reputation you have. However, that isn’t the case. Well, it isn’t where AA van insurance is concerned anyway.

AA insurance has been around for a long-time, generations in fact, so you might also be thinking they’re a little too big for their boots and don’t have to offer great deals on van insurance simply because it’s such a stable company. But this isn’t the case either. In fact, they know how competitive this marketplace is and they have a wealth of experience in making sure they gain new customers and hang on to them!

So, now I’ve “bigged” them up, you’ll probably want to know what all the fuss is about. That is if you’ve read this far! Below are as many of the benefits on AA van insurance I could squeeze into the space I have here, and there are many!

The Basics

Unlike a lot of insurance companies that deal with vehicles, you can get all levels of cover with the AA. They offer comprehensive (always a good idea in my opinion, given the amount of time you spend on the road)! Third party, fire and theft or just third party if you fancy running the gauntlet with all those other so called “motorists” on the road.

The company cover a wide range of vehicles under their van insurance from small vans to tippers, and you even get European cover if you’re planning a day trip (wink, wink)! Other benefits you can expect with a basic van insurance policy include up to 60% no-claims discount, and that won’t be affected if you need to have a repair done to your windscreen or windows (pesky stones)!

If you happen to lose your keys or someone decides they would like to lay “claim” to them, the AA will give you up to £250 to sort the problem out. Oh, and I can’t forget the 5% discount you get if you already have personal breakdown cover with them although there are restrictions with this so make sure you check.

The Extras

Van Rescue

You might think that just because you have a brand spanking new van it won’t let you down when you’re on the road right? Wrong! All sorts of things can occur, and if you use your van for business, time is money!

The AA proudly boasts they have more patrols out on the roads than any other insurer so if you do need roadside assistance, they’ll have you back on your way before you know it. For a mere £65 you’ll get a mechanic if you break down, but bear in mind you must be more than ¼ mile from your home or office address. You’ll also get something called “home start” if your van decides not to budge an inch if you’re within a ¼ mile from your home or office.

If that wasn’t enough, you also get something called relay which means you and up to 7 passengers will be transported by a friendly AA expert to a destination (UK mainland only) if your van is stubborn enough not to start.

Van Hire

I happen to think this added extra is definitely worth having especially if you use your vehicle for business. For an additional £30 the AA will give you a replacement van if your own vehicle ends up in the garage for repair. This little benefit also kicks in if your van is declared a complete loss or, (and hopefully this will never happen), is stolen.

A hire vehicle is on offer up to 21 days consecutively but only if you have a fully comprehensive van insurance policy, and 14 days for any other policy except third party only.

Legal Expenses

Again, I think this is well worth considering since you never know what’s “around the corner” when you’re on the road. Accidents do happen, and they’re not always your fault. So, if you want to make sure you’re properly protected, taking out the legal expense option will cover you for up to £100,000. This helps if you want to claim back any excess or other costs associated with an accident. Plus, the AA will kindly make sure your no-claims bonus isn’t affected, and you get all this for no less than £26 per year!

Personal Accident Cover

I actually can’t think of any reason why someone wouldn’t take this cover out. Even if you never end up with a personal injury (and let’s hope you don’t), it’s still nice to know you have the back-up should you need it. For just £27.50 per year you get up to £25,000 to help if you suffer the following:

  • Total loss of sight in one or both of your eyes.
  • If you lose one or two limbs, you’ll be covered.
  • If you end up disabled (other than the two injuries mentioned above), you’ll get assistance.
  • Accidental death is also covered.

If you suffer an injury due to road rage, and let’s face it there’s a lot of it about these days! AA will cover you for the following:

  • If you stay in hospital, the AA will give you £100 per day but this is limited to 30 days.
  • If you’ve had your teeth “bashed” in, the AA will give you £250 for emergency dental treatment.

Overall

Personally, I can’t think of a better company than AA van insurance, and given the information above it’s not surprising they’re still one of the most respected companies out there!

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