Insurance

Comprehensive cover

From repair costs to van hire, contents to vehicle replacements, comprehensive van insurance from RAC Direct has what you need from an insurance company.

Whether you are looking for private or commercial van insurance, we will get you started and with additional cover options available for your vehicle, insurance flexibility is yours.

See our comprehensive and third party, fire and theft Summary of Cover for comparison of our van insurance.

What is covered?

• Loss of, theft or damage to your van
• Accident recovery
• Liability to third parties
• Injury to you or your partner
• Medical expenses
• Emergency medical treatment
• Personal belongings
• Replacement locks
• Driving abroad

Loss of, theft or damage to your van

If your van is lost, stolen or damaged, we will either:

• Pay for your van to be repaired
• Replace your van
• Pay the amount of the loss or damage in cash

The same cover applies to:

• Accessories and spare parts
• Fixtures and fittings

The maximum amount we pay is the market value of your van at the time of the loss.

If we know that you are still paying for your van under a hire-purchase or leasing agreement, we make any payment due to the owner described in that agreement.

We will pay for the cost of repairing the glass in your van's windscreen, sunroof, windows or scratches to the bodywork caused by breaking glass. If you are only claiming for this, you will have to pay the first £60 of the cost of replacing the glass. This excess for glass:

• Will not apply if the glass is repaired rather than replaced
• Cancels out any other voluntary or compulsory excess that would otherwise apply to glass claims.

For more information see our van insurance wording.

Accident recovery

If you are involved in an accident, call us, and we will arrange for the following at no extra cost.

• Someone to come out and help. If your van cannot be made roadworthy immediately, it is taken to our nearest approved repairer in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
• Your van can be taken to a repairer of your choice, if this is nearer, but this may lead to delays in arranging the repairs to your van. This rescue service also applies if you have an accident in the Republic of Ireland.
• We can also pass on a message on behalf of any driver.

If your van is disabled through loss or damage covered by this insurance, we pay the reasonable cost of its delivery to you or your address in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands after repair.

For more information see our van insurance wording.

Your liability to third parties

We will pay any compensation costs and expenses you may have to pay as a result of you being legally liable for the following:

• Death or bodily injury to anyone else for an unlimited amount
• Damage to anyone else's property for up to £1 000 000 for any or all claims arising from any one incident

If your van is the subject of a leasing or contract hire agreement we will insure the owner in the same way that we insure you under this section.

We pay the following legal costs if they relate to an incident under this section:

• Fees of solicitors we ask to represent anyone we insure
• Fees of legal representatives we ask to defend anyone we insure.

For more information see our van insurance wording.

Injury to you or your partner

We will pay £5000 if you or your partner suffer accidental bodily injury in connection with your van.

For more information see our van insurance wording.

Medical expenses

We will pay up to £100 for medical expenses if you or anyone in your van are injured as a direct result of your van being involved in an accident.

For more information see our van insurance wording.

Emergency medical treatment

We will reimburse any person using your van, for emergency medical treatment payments they have to make under the Road Traffic Acts.

For more information see our van insurance wording.

Personal belongings

We will pay a maximum of £100 for any one incident for the loss or damage to personal belongings caused accidentally by fire or theft while they are in or on your van.

For more information see our van insurance wording.

Replacement locks

We will pay the cost of replacing the following if the van keys or lock transmitter of your van are lost or stolen:

• Affected locks
• Lock transmitter and central locking system
• Affected parts of the alarm/immobiliser or both

For more information see our van insurance wording.

Driving abroad

We cover only the minimum legal requirements while you are in a country that is a member of the European Union, this is usually the same as UK Third Party only cover.

You can extend your insurance to provide Comprehensive cover while you are abroad. Two options are available, 7 day cover or 21 day cover.

For more information see our van insurance wording.