Frequently Asked Questions

We have provided you with some of the questions we get asked frequently from customers, and hope these answer the questions you have.

If you can’t find the answer to your question here, please give us a call on 0845 219 0604 and we will be happy to help.

Questions:

  1. My van is refrigerated – can you still offer me cover?
  2. I have a tipper – do you insure these?
  3. Will my trailer be covered on my policy?
  4. What happens if I lose my keys – will this be covered on my policy?
  5. Is breakdown cover included in my policy?
  6. What happens if I have an accident or need to make a claim?
  7. Are my tools covered under my policy?
  8. If my vehicle is in an accident, and I can’t drive it, will I get a replacement, until it is fixed?
  9. Some of my details have changed – what do I need to do?
  10. I have just bought a new van – if I’m involved in an accident my van gets written off, will I be able to get back what I paid for it?

Answers:

  1. My van is refrigerated – can you still offer me cover?
    • Yes. Insuring a refrigerated vehicle holds no problems for us.
  2. I have a tipper – do you insure these?
    • Yes.
  3. Will my trailer be covered on my policy?
    • You are automatically covered for damage to third party property or injury under the standard policy. We may, for an additional premium, be able to offer cover for any loss or damage to your trailer.
  4. What happens if I lose my keys – will this be covered on my policy?
    • No, but we do offer Key Cover at just £15.95 for 12 months cover. See Key Cover for more information.
  5. Is breakdown cover included in my policy?
    • Breakdown and Accident Assistance can be purchased as part of your insurance policy from as little as £52.50. See policy wording for more information.
  6. What happens if I have an accident or need to make a claim?
    • In the event of an accident, or if you need to make an insurance claim, please call our customer services team on: 0845 219 0510
  7. Are my tools covered under my policy?
    • No, but we do offer Tool Cover seperately via our sister company One Business Insurance Solutions. Please visit www.onebusinessinsurance.co.uk to find out more.
  8. If my vehicle is in an accident, and I can’t drive it, will I get a replacement, until it is fixed?
    • A replacement hire van is available with comprehensive policies, when it is a non-fault accident.
  9. Some of my details have changed – what do I need to do?
    • If any of your details or circumstances change, you must let us know immediately, as this could affect your policy. Call our customer services team on 0845 219 0510 (Monday to Friday 9am to 5.30pm and Saturday 9am to 1pm) to advise us of any changes to your policy.
  10. I have just bought a new van – if I’m involved in an accident my van gets written off, will I be able to get back what I paid for it?
    • If your van is less than 3 years old, we offer Total Loss GAP protection which covers the difference between a motor insurer’s payout and the value of your vehicle, at the time you purchase GAP cover, if your vehicle is written off. There is a maximum claim limit of £10,000.
    • See GAP insurance for more information.