Van Insurance Reviews

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!

Direct Line Van Insurance Review

You may be wondering why companies like Direct Line are offering van insurance as oppose to a general motor policy. Well, the answer is that insurance companies have recognised that people who own and drive vans have slightly different needs to the average person that drives a car.

Why? I hear you ask. The main reason is if you own a van, you more than likely use if for business and this means more time on the road. Don’t worry you haven’t been singled out just because of the whole “white man van” reputation. In fact, you can get some really good discounts that aren’t available under general motor insurance.

Of course, if you own a van purely for personal reasons you’re not excluded and you can benefit from the same types of policies so, that’s that worry out of the way!

Major Advantages to Using Direct Line van insurance

There is an endless list of reasons why you should use this company. They haven’t been on the market for as long as some other insurance companies but, since they arrived on our television screens with that little red telephone and catchy tune, they’ve taken the market by storm.

Not only are they well known for their customer service, they are also known for their innovative approach to protecting you while you’re out on the road.

Below are some of the benefits you can expect before you even decide on what type of policy you would like:

  • Currently there is 20% off any new policy you take out with them. We’re not sure how long this is going to be running so be quick!
  • Get this! Direct Line will also give you a FREE MOT to the value of £54.85 when you take a policy out with them. Do bear in mind however; this is only valid for 12 months.
  • Direct Line is also offering something they like to term as “Together”. This means that if anyone in your household already has some other form of insurance with them, you can get yet another 10% off your van policy.

It doesn’t stop there either! Once you have decided Direct Line is the company for you (and why wouldn’t you)? They will offer the following as standard:

  • 15% off any additional vehicle you add to your policy (great for those of you that have more than one van).
  • Up to £500 worth of cover on your tools.
  • Internal rack and sign writing cover – This does however come with stipulations. If you have vinyl wraps, these won’t be covered.
  • If you purchase the guaranteed hire vehicle option, Direct Line will kindly make sure you get a replacement van within 24 hours AND have your own van repaired within 5 days.

What Type of Policies You can Purchase

This is the easy bit. Direct Line will offer you the same sort of policies you can get with pretty much all companies. These are:

  • Third Party Fire and Theft – It’s kind of obvious what this covers but, you will also be protected from claims against you for damage or injury to their property.
  • Comprehensive – Now, we could explain everything that this includes but we’re not writing a manual on how Direct Line works their policies. Here’s the quick version. Everything you get with Third Party Fire and Theft plus medical expenses, your personal belongings and personal accident cover.
  • Third Party Only – It’s not exactly recommended in this day and age but, Direct Line is one of the few insurance companies that still give you this option. With this type of policy you will be protected from any claims against you for damage to their property or personal injury.

Additional Extras

Yes! The list goes on! Here are some additional extras that Direct Line offer:

  • An accident action pack – this is really useful because it tells you exactly what to do if you’ve been involved in an accident.
  • Accident helpline – this is open 24 hours a day and you’ll be met with someone that can not only calm you down but give you expert advice.
  • Windscreen helpline – this is also open 24 hours a day (stones don’t know what time of day is when they decide to send a huge crack through your windscreen).
  • If you take out comprehensive cover, you will be covered for the repair of your windscreen.
  • Motor Legal Protection – this is something that’s slightly more complicated and you really should speak to one of their representatives to find our more.

In Conclusion

Just because you drive a van and have to put up with that “label” (we all know what it is), it doesn’t mean you shouldn’t be entitled to decent cover at a reasonable price and that’s what makes Direct Line Van Insurance one of the best!

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