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Guide to Direct line van insurance 

Direct Line Insurance Services Qualifing Conditions

Van insurance is available, but the vehicle must meet the following qualifying criteria.

Who provides Direct line van insurance in the UK 

Direct line insurance services were the first to introduce the concept of multi van insurance, but many followed suit, with Tesco van insurance being one of the most popular UK products, followed by Post Office van insurance.

If you insure more than one car with Direct Line, you are eligible for a number of discounts and benefits. A big benefit and obvious selling point is the Uninsured driver promise, in which Direct Line will pay out if you are hit by an uninsured motorist.

What is the best van insurance policy

Finding the best of anything is difficult, and it really depends on your individual needs. The best approach is to spend some time and create a list of your basic requirements, and a secondary list of would be nice. 

The second list could include items like best breakdown cover in the UK and Europe, legal expense   cover, no claim's protection cover or windscreen cover. These elements are optional.

The next step is to compare quotes from specialist van insurance companies. Use comparative services like that offer by Multi Quote Time to get started, but also visit insurance sites directly. Some key players to include in your search include Tesco Van Insurance, Direct Line, AXA and Gladiator van insurance. If you need any driver van insurance expect to pay extra for the additional risk, if on a budget best to stick with a named driver policy.  

Remember, what was the best deal may not turn out to be the best available when it comes to renewal time. The time was when you stayed with one broker, but with the ease of comparison and buying a policy online this is no longer the case. It is a fact that some brokers offer their best deals to entice new customers.

Multi van insurance is an umbrella policy that lets as many as 10 vehicles can be protected with motor vehicle insurance. The terms of this type of policy include;

New for old cover available

They promise to replace your van with a new model if it is less than one year old, and you are the first registered user. 

Can having a Van Fleet insurance policy save the owner money?

A direct fleet van insurance policy will have a clear advantage in the ease of management in comparison. It should in most cases also provide savings over the traditional multi policy route. Having said that, it is always best to compare both options as in some cases the traditional route could work out cheaper. One big advantage with the fleet insurance route is that most providers will offer discount as and when you add new vehicles to the policy.

Do all the individual policies have to be the same under a Fleet Van insurance umbrella?

No, the level of financial protection is determined by the vehicle owner. Each vehicle can be covered with the same level of protection, or each one can be different. It is also to excluder some drivers from the fleet policy. Example if you had a high risk driver it may be more cost-effective to have separate insurance policy for the high risk driver, rather than inflate the costs of the fleet insurance policy

The best van insurance policy is not the cheapest

When searching for the best multi vehicle policy, do not make the mistake of thinking the cheapest is the best. Base your decision on the level of cover that the policy provides and not the price.

Is it always cheaper to have a multi van insurance policy?

In most instance yes, but not always. Each driver’s premium is determined by their risk factor. High risk drivers include;

By listing a driver who is considered high risk in a policy, the premiums will be higher than for a low risk driver. This is for both listing them as a primary or secondary driver, which will raise the cost of the premium. A named driver policy should work out lower than an any driver fleet insurance policy, but the extra flexibility may be worth the extra payment.

The multi van insurance policy is made to help lower the costs of insurance for families and those living together who have more than one vehicle. However, as previously mentioned, in some cases it can be cheaper to taking out traditional one car one policy cover. The vehicle protected must be for personal use and not used in a business and can be cars, trucks, vans, motorcycles and scooters. Business multi fleet cover and multi van insurance is also available, but as it is for business use it will work out more expensive.