Van or Commercial Vehicle Insurance

Van Insurance is an essential part of running your business and protecting your livelihood. Without it, your business could face devastating effects in the event of a theft. Our team are experts in Van Insurance. With over 83 years of combined insurance experience, we understand your needs and can provide insurance that gives you peace of mind, at a great price.

Commercial vehicle insurance provides protection for a range of vehicles used for commercial purposes. INNOVU provides insurance cover for clients with just one commercial vehicle such as van insurance, and to those with an entire commercial fleet, including haulage insurance. Our team can provide guidance to clients, as to the level of insurance protection they require. We will customise specific insurance packages to meet these requirements. For a competitive quote on your commercial vehicle and van insurance, call INNOVU Insurance today or request a quote.

 

Policy benefits available:

  • Comprehensive, Third Party Fire & Theft cover.
  • Flexible driving options.
  • Protected maximum no claims bonus option.
  • Step-back bonus protection.
  • Full bonus protection.
  • Open drive option.
  • Unlimited mileage policies.
  • Windscreen protection.
  • Replacement vehicle in the event of a claim.
  • Replacement locks cover.
  • Foreign travel cover.Driving other commercial vehicles cover.
  • Fire brigade charges cover.

*Policy benefits are dependent on policy chosen

 

Why choose INNOVU Insurance?

  • Complimentary van breakdown assistance on first year.
  • Dedicated Insurance Advisor.
  • Easy payment plans available.
  • We do the hard work and compare up to 15 insurance companies on your behalf, to ensure you get the best deal.
  • In-house claims specialist, dedicated to you and your needs, in the unfortunate event of a claim.

 

 

What is the difference between comprehensive and Third Party Fire and Theft?

The main difference between these two cover options is the level of protection given to your own vehicle. A Third Party Fire and Theft policy covers any damage to a third party, or their property, resulting from an incident. It also provides cover for damage to your own vehicle, caused by fire or theft. Meanwhile, a Comprehensive policy will cover all of the above, plus the costs of damage to your own vehicle, if you’re involved in an incident.

 

What is a ‘No Claims Bonus’?

Your no claims discount, or ‘Bonus’ as it is often called, is the amount of years you have held an insurance policy and not claimed on it. Based on the number of years you have been claims free your insurer will reduce your premium.

 

What is named driving experience?

Named driving experience works on a similar basis to no claims discount. If you are named as a driver on someone else’s policy, you will earn a discount for your claims free years on that policy. You should contact your insurance broker to confirm your named driving experience entitlement.

 

Why do I need bonus protection?

Once you build up several years of claims free driving, your No Claims Bonus will help you get a reduction on your premiums. Because of this, many drivers will want to protect their no claims bonus. There are two options which allow you to do this, Full No Claims Bonus Protection and Step Back Bonus Protection.

 

What is the difference between Step-Back and Full Bonus Protection?

What Step Back Bonus Protection actually means : If you make a claim or someone else makes a claim against you, you will lose part of your no claims bonus. For example, if your no claims discount is 50% and you have a claim, then it could step back to as low as 30%. Therefore, giving you less years no claims to avail of higher discounts on your policy. On average, in the event of a claim, drivers with Step Back Bonus Protection lose two years no claims i.e. their bonus may be ‘stepped back’ from 5 to 3 years, which in turn will affect the no claims discount.

With Full Bonus Protection, in the event of a claim against your own insurance, you will not lose any of your built up years of no claims. In turn, this means that the discount you receive from your insurer will be protected in the event of a claim. Always read the small print of your policy documents for any exclusions or limitations on your policy regarding No Claims Bonus Protection.