Van Insurance

Our van insurance policy is distributed in the UK through Autonet Insurance. 

Autonet is the UK's largest independently owned van insurance broker.

NO BONUS? - NO PROBLEM.

If you have little or zero no claims bonus, we may be able to save you money.

LOST NO CLAIMS BONUS? - NO PROBLEM.

Lost your no claims bonus? Made a claim? We may be able to save you money.

GET INSURED ONLINE? - NO PROBLEM.

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 

WANT TO BUILD YOUR BONUS? - NO PROBLEM.

We will give you a certificate of claims free driving detailing the years you were with XS Direct.

POLICY COVER

We offer various levels of cover, please check your policy certificate & schedule for details of your cover.

Total excess

Our policy excess is £3,000. This excess applies to the entire policy including the third party damage and injury section.

Age

Policyholders must be aged between 21 and 70.

Licences accepted

We accept full licences from the UK, Ireland and the EU.  

Named drivers

Our policy allows for 4 named drivers per policy.

Convictions

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.

Vehicle exclusions we don't cover

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

Windscreen cover (Optional)

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.

Occupations

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.

Usage exclusions

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

Residency

The policyholder must be a permanent resident in UK. 

Territory

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

POLICY FEATURES

Lower premiums

We try to provide lower premiums for drivers:

 

  • With zero, or one, two or three years’ no claims bonus
  • Who have previous or outstanding claims
  • On their first policy
  • Leaving a company scheme
  • Who have a gap in cover
  • Insuring a second vehicle

Higher excess

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.

Premium price promise

  • Your premium is guaranteed; it will not rise during the term of the policy as the result of a claim.
  • Past claims don’t affect the price of your premium.
  • We’ll accept outstanding, open and unreserved claims without charging extra.

 

CHANGE POLICY?

Add temporary additional drivers

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

Substitute a vehicle

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.

Comprehensive cover abroad

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.

Use your vehicle outside western Europe

If you want to use your vehicle outside this range of countries, please contact the office for further information.   

 

SUSPEND OR CANCEL YOUR COVER

You cannot suspend your cover. If either party cancels the policy, the following scale will apply (subject to terms and conditions):

  • Up to 14 days on cover pro-rata refund plus a £50 fee
  • 15 days to 1 month on cover 75%
  • Up to 2 months on cover 60%
  • Up to 3 months on cover 50%
  • Up to 4 months on cover 35%
  • Up to 6 months on cover 25%
  • Up to 8 months on cover 10%
  • Over 8 months on cover 0%