How to Compare Van Insurance Cover Levels

Knowing how to compare van insurance cover levels is essential to choosing the right policy for you and your vehicle – you need to understand what your insurance needs are, what the RAC Van Insurance standard cover provides and how our additional levels of cover compare.

Tempting as it is to go with the cheapest insurance policy, it may not meet all your needs and you may end up paying more in the long run.

Our RAC insurance guide will help you understand what options are available, how they differ and which level is best suited to you needs.

RAC Van Insurance Cover Options

At the RAC, we like to make motoring affordable for our customers. Which is why we search a panel of leading insurers to find you our best price for your van insurance needs.

In the event of an accident or theft, making sure you have the right van insurance to get you up and running as quickly as possible can help to minimise any potential loss of earnings and disruptions to your everyday comings and goings. With the RAC’s van insurance policies, you can choose from three levels of cover:

  • Third party – This is the minimum level of cover required by law in the UK. It covers liability for injury to others (including passengers), damage to other peoples’ property and liability whilst towing a caravan or trailer.  It doesn't cover accidental damage to your own vehicle – any repairs you need to make to your van will have to be paid by you.
  • Third party, fire and theft – This offers you protection if your van is stolen, attempted to be stolen or damaged in a fire.
  • Comprehensive – With this level of cover, you’ll be protected for damage to the van, property and yourself, even if you are at fault (limits may apply).

No matter what level of RAC Van Insurance you choose, you’ll benefit from the following great features, at no extra cost:

  • Legal Expenses Insurance
  • Liability for passengers
  • Emergency treatment

In addition to these great policy features, you can also buy additional cover to suit your specific needs, these include:

  • Breakdown cover starting at £39.99 a year
  • Tools in transit cover from £30.99 a year
  • Replacement van cover from only £20.66 a year to get you back on the road

Contact us today

Find further information here on van insurance or speak to one of our RAC advisers on 0330 332 8308 to get a quote.