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Direct Line Van Insurance

direct line van insurance reviews

Direct Line Van Insurance is being reviewed so the public can see and understand just what they have to offer. They are an insurance company and all policies are underwritten by UK Insurance Limited and authorized by Prudential Regulation authority. They have been in business since 1985 and are registered in England and Wales. Their main office is in Leeds.

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There is mention of Direct Line Van Insurance being available for both business and personal use on the internet, but their website only lists coverage for business purposes. All drivers to be covered must be at the minimum  21 years of age. Like all brokers van insurance is available business use and personal or private use. Private use is aimed at people that need a van for their hobby or leisure pursuits. If you will be using for business you will need to take out Direct Lines commercial cover. Cover is available for all van types including including refrigerated vans

Types of Direct Line Van Insurance available

The following insurance coverage is made to take care of the needs of the professional that uses their van as part of their business.

Third Party Fire and Theft

  • Your vehicle is protected if it is damaged by fire or is stolen.
  • The No Claims Discount is available for qualifying clients with credit for up to 9 years.
  • No administration fees.

Comprehensive

This coverage includes all that is in the Third Party Fire and Theft policy with the following additions;

  • Tool replacement up to £500.
  • Repairs to your vehicle if it is accidently or maliciously damaged.
  • Repairs to your vehicle and your medical bills if you are at fault in an accident.
  • Uninsured Driver Promise.
  • Windscreen repair and replacement.
  • Personal accident and belongings coverage.
  • Electronic equipment replacement up to £1,000.
  • Hotel accommodation.
  • Compulsory minimum EU coverage.
  • New Vehicle replacement if the van is less than 1 year in age and you are the original owner.


What are the extras that can be added to the comprehensive Direct Line Van Insurance policy?

There is a protected No Claims Discount that can be added. With it after a 4 year period with no claims you can make 1 claim in a year or 2 claims in 3 years without your premium increasing.

There are 4 levels of breakdown coverage available.

  • Rescue will provide road side assistance with repairs and towing when your vehicle is disabled at a minimum ¼ mile away from your residence.
  • Rescue Plus is the same as Rescue with the additional protection that your vehicle can be broken down at your residence and still be eligible for repairs and towing. Protection against the wrong fuel being used is also included.
  • Recovery includes everything in Rescue Plus along with transportation to your home or destination.
  • Recovery Plus includes everything in Recovery along with the use of a hired vehicle for 48 hours or alternative transportation to your home or destination. This can include overnight hotel accommodations while your vehicle is being repairs.

There is also Euro Plus coverage that includes all the benefits of Recovery Plus including road side repairs and assistance in the EU and returning you and your vehicle back to the UK.

Personal coverage protects you with the level of coverage you have chosen when you are driving a vehicle that is not your own.

Motor Legal Protection is legal assistance of up to £100,000 for legal expenses when making a claim against a third party for injuries and damages when the accident is not your fault.

In Conclusion

Direct Line Van Insurance is underwritten by the business arm of their firm and they offer the professional many different levels of coverage so you can have what they need covered in the policy of their choice.

This information is being provided free to the public by an independent writer. We do not endorse or dissuade the use Direct Line Van insurance or their underwriter and have not been compensated by Direct Line Insurance in any manner.

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