Get the right cover at the right price
We know that insurance can be a distraction that gets in the way of you running your business. That’s why we work hard to take away the hassle of insurance, letting you get on with what you do best – helping your customers.
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Types of insurance cover
Small businesses in the UK have several types of van insurance options to choose from, each catering to different needs and uses.
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This is the minimum legal requirement for van insurance in the UK. It covers:
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- Damage to other vehicles and property
- Injuries to other people (including passengers)
However, it does not cover any damage to your own van or injuries to yourself
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This type of insurance includes everything covered by TPO, plus:
- Damage to your van caused by fire
- Theft of your van or damage caused by attempted theft
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Comprehensive insurance offers the highest level of cover, including:
- All the benefits of TPFT
- Accidental damage to your own van
- Medical expenses for injuries to you and your passengers
- Personal belongings inside the van
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This is suitable for businesses that use their vans to transport their own tools, equipment, or goods. It covers It covers damage to the van, but will not provide any liability for goods in transit. A separate policy would be required for this
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This type of insurance is for businesses that transport goods for payment, such as couriers or delivery drivers. It covers damage to the van, but will not provide any liability for goods in transit. A separate policy would be required for this
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Haulage insurance is designed for businesses that make long-distance deliveries, typically involving a single load. It covers It covers damage to the van, but will not provide any liability for goods in transit. A separate policy would be required for this
What we cover
Here’s a breakdown of what our policies offer for Van Insurance
| Comprehensive | Third Party, Fire & Theft | Third Party | |
|---|---|---|---|
| UK & Ireland breakdown assistance | |||
| UK & Ireland accident assistance | |||
| Like-for-like courtesy in the event of a non-fault accident | |||
| Motor Legal Expenses cover | |||
| Motor Legal Expenses helpline | |||
| Incorrect fuelling cover |
OUR PROMISE
Buying van insurance in Northern Ireland doesn’t have to be a painful process
Whether you are looking for comprehensive cover for your van, cover for a young driver, or have difficulty obtaining insurance because of convictions, get in touch. We’ll have you covered in no time.
Choose the van insurance that's right for your business
Selecting the right type and level of cover is vital to ensure that whatever happens to your van or vans, you have peace of mind that you're covered. There are a few factors you need to take into account when choosing motor insurance for your van.
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Assess Your Needs
Evaluate how you use your van in your business. Determine whether you need coverage for:
Carriage of Own Goods: Transporting your own tools, equipment, or goods
Carriage of Goods for Hire or Reward: Delivering goods for payment
Haulage: Long-distance deliveries with single loads
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Compare Coverage Options
Choose from the three main levels of van insurance:
Third-Party Only (TPO): Covers damage to other vehicles and property
Third-Party, Fire and Theft (TPFT): Adds protection against fire damage and theft
Comprehensive: Includes all of the above plus coverage for your own van and personal belongings
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Additional Cover
Small businesses can also consider adding extra cover to their policies, such as:
Breakdown Cover: Assistance if your van breaks down
Legal Expenses Cover: Covers legal costs for claims
Courtesy Van: Provides a temporary replacement van during repair
We know where you're coming from because we're from there too.
We've come a long way since we started out in 1992. And along the way we've also been joined by over a dozen other Insurance Brokers who liked the Dickson progressive approach to looking after clients and employees and so decided to sell their business to us.
We know where you're coming from because we're from there too.
We've come a long way since we started out in 1992. And along the way we've also been joined by over a dozen other Insurance Brokers who liked the Dickson progressive approach to looking after clients and employees and so decided to sell their business to us.
We know where you're coming from because we're from there too.
We've come a long way since we started out in 1992. And along the way we've also been joined by over a dozen other Insurance Brokers who liked the Dickson progressive approach to looking after clients and employees and so decided to sell their business to us.
Keep your van insurance cost down
Increase Security Measures
Installing additional security features such as alarms, mobilisers, and tracking devices can reduce the risk of theft and lower your insurance premiums.
Choose a smaller van
Opting for a smaller, more fuel-efficient van can help reduce insurance costs. Larger vans typically have higher premiums due to their increased risk and repair costs.
Limit the number of drivers
Keeping the number of drivers on the policy to a minimum, and ensuring they have clean driving records, can help lower premiums. Avoid adding young or inexperienced drivers if possible.
Pay Annually
Paying upfront for a year of van insurance can reduce your premium. Most insurers prefer having a lump sum upfront, so they’ll offer a discount on annual premiums.
Increase Voluntary Excess
Agreeing to pay a higher voluntary excess in the event of a claim can reduce your premium. Just make sure you can afford the excess amount if you need to make a claim.
Build Up a No-Claims Bonus
Maintaining a good driving record and avoiding claims can help you build up a no-claims bonus, which can significantly reduce your insurance costs over time.
Limit Mileage
Reducing the number of miles your van travels each year can lower your insurance costs. Insurers often offer lower premiums for lower annual mileage.
Consider Telematics
Using a telematics device (also known as a black box) to monitor your driving habits can demonstrate to insurers that you are a safe driver, potentially lowering your premium.
Tailor your policy
- No Claims Discount Protection
- Motor Rescue
- Glass Breakage
- Legal Expenses
YourVan Insurance Plan
- No claims discount
- Motor Rescue
- Legal Expenses
Don’t just take our word for it
Keep up the good work.
JO’S, Fintona
Totally satisfied with everything.
KL, Cookstown
I am very satisfied with your service – I have used this brokerage for nearly 25 years and recommended you to family and friends
MC, Limavady
I have dealt with the staff in your Newry office for a long time and the service I receive from them is second to none.
GP, Newry
Great customer service.
TM, Dungannon
Service provided is excellent.
TT, Carrickmore
The service is excellent, very prompt and efficient to deal with.
VMcC, Newcastle
Coverage across N.Ireland & Ireland
Almost 100 years collective experience
Local Experts across 15 branches
We work better, together
FAQs
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Commercial van insurance is designed to protect your van when it’s used for business purposes, such as transporting goods, making deliveries, or traveling to job sites. It’s essential because it covers potential risks like accidents, theft, and damage, ensuring your business options aren’t disrupted
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Third-Party Only: Covers damage to other vehicles and property.
Third-Party, Fire, and Theft: Includes third-party coverage plus protection against fire damage and theft of your van
Comprehensive: Covers third-party, fire, and theft, as well as any damage to your own van -
The cost of van insurance varies based on factors such as the type of coverage, the value of the van, the nature of your business, and your driving history. On average, comprehensive policies tend to be more expensive but offer the most protection
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Yes, if your business operates multiple vans, you can opt for a fleet insurance policy. This type of policy covers all your vehicles under a single plan, which can be more cost-effective and easier to manage than insuring each van individually. Talk to us. We’ll find the best options that best suit you and your business