Our van insurance policy is distributed in the UK through Autonet Insurance.
Autonet is the UK's largest independently owned van insurance broker.
If you have little or zero no claims bonus, we may be able to save you money.
Lost your no claims bonus? Made a claim? We may be able to save you money.
We’ll quote you and insure online, right now, if you want. Subject to underwriting terms, conditions and acceptance.
For a quote please Click Here
We will give you a certificate of claims free driving detailing the years you were with XS Direct.
We offer various levels of cover, please check your policy certificate & schedule for details of your cover.
Our policy excess is £3,000. This excess applies to the entire policy including the third party damage and injury section.
Policyholders must be aged between 21 and 70.
We accept full licences from the UK, Ireland and the EU.
Our policy allows for 4 named drivers per policy.
We do not accept serious motoring convictions. Please provide full details to Autonet who will confirm if the relevant conviction(s) is acceptable.
We do not accept motoring convictions that result in a driving ban of more than 18 months.
Vehicles with a gross vehicle weight of over 3500Kgs
Tippers
Certain vehicle modifications. Please provide full details to Autonet who will confirm if the relevant modification(s) is acceptable.
Vehicles valued over £100,000
The first £50 of any claim Damaged sunroofs, roof panels, lights or reflectors (even if they are made of glass). Extra costs for the work undertaken outside normal hours, unless the windscreen is shattered, or the driver's vision or the security of the Insured Vehicle is affected.
VAT if you are registered.
The first £50 of any claim
Damaged sunroofs, roof panels, lights or reflectors (even if they are made of glass).
Extra costs for the work undertaken outside normal hours, unless the windscreen is shattered, or the driver's vision or the security of the Insured Vehicle is affected.
VAT if you are registered.
You must state your full occupation. Full time and Part-time occupations must be declared; vague answers e.g. manager, director etc. are not sufficient.
We do not quote for the following usage:
Vehicles used for the carriage of passengers for hire or reward
Vehicles used airside in an airport
Vehicles used for racing, rally or speed trials
Vehicles used for law enforcement or security duties
Vehicles used for emergency services
Vehicle used in connection with the motor trade
The policyholder must be a permanent resident in UK.
The territory covers the UK (including Northern Ireland and the Isle of Man) and the Republic of Ireland. Minimum cover applies to driving in Europe, to upgrade to comprehensive cover in Europe there is an additional fee per week of £75
We try to provide lower premiums for drivers:
We think the standard no claims bonus system isn’t fair. It doesn’t give a good idea of how likely you are to have an accident.
By swapping the no claims bonus for a higher excess, we can give real savings for drivers paying high premiums. This means you can start with a clean slate.
Our policy excess is £3,000. That means that in the event of an accident where a claim is made, you pay all costs up to £3,000 and we pay everything above and beyond this amount.
You can add more drivers at these rates (subject to a minimum charge of £40):
Age 18 – 24 £75/day
Age 25 – 70 £10/ day
3 temporary substitute vehicles are already included in your current premium subject to underwriting terms, conditions and acceptance for one period of insurance. If you need a 4th or more temporary substitution, we charge £40 for each week of the additional cover or part thereof.
Note: This restriction does not apply if the substitution is in the event of an accident. Temporary Substitutions are only on a like for like basis i.e. van to van with similar age, value and gross vehicle weight.
Your policy includes minimum cover to allow the use of the vehicle in any country which is a member of the EU, plus Andorra, Croatia, Faroe Islands, Gibraltar, Monaco, Norway, Iceland, Liechtenstein, San Marino and Switzerland.
To upgrade to fully comprehensive, there is an additional premium of £75 per week or part thereof.
If you want to use your vehicle outside this range of countries, please contact the office for further information.
You cannot suspend your cover. If either party cancels the policy, the following scale will apply (subject to terms and conditions):