You are a UK resident, the registered owner of the vehicle, and the main driver.

Your van is registered and kept in Great Britain, Isle of Man, or Channel Isles only.

Your van is kept at your home postcode overnight.

You and your drivers are under 75 years of age.

You and your drivers have advised the DVLA of any notifiable illness or disability and they have agreed to the issue of a license.

You and your drivers must hold a current, valid, full or provisional UK driving license.

No driver has had more than 1 loss or claim in the last 4 years

You or your drivers do not have more than 1 motoring conviction each (including fixed penalties) in the last 5 years, or have been disqualified from driving in the past 5 years.

No driver has had any criminal convictions, been previously refused insurance or had any terms imposed.

No driver has had any criminal convictions, been previously refused insurance or had any terms imposed.

No driver of the vehicle will require business use in relation to a driving occupation e.g. Taxi driver, courier, motor trader etc.

No driver of the vehicle is a professional sports person, actor, actress, model, circus/fairground worker or TV/radio presenter.

Your van is not valued at more than £50,000, has been modified and was not registered before 1960.

No driver of the vehicle is a professional driver. RAC Direct Insurance considers a professional driver as somebody who is a taxi driver, chauffeur, driving instructor, fast-food driver, courier or in the motor trade.