Van and Pick-Up Insurance

Frequently Asked Questions – Page 1 of 2


Van and pick-up truck insurance is a major specialism of ours.  At Premium Choice we pride ourselves on offering some of the cheapest and best deals in the marketplace.  Please read our main pages on van, pick-up and crewcab insurance and also take a look at the second page of Van Insurance FAQ’s.  

Our specialist team is here to help you so if you can’t find the answer to your question don’t hesitate to give us a call on 0800 954 2873.

How do you define a van for insurance purposes?

A van is a vehicle predominently designed to carry goods rather than passengers and normally weighs less than 3.5 tonnes.  However we can generally arrange insurance for almost anything up to 7.5 tonnes.  This includes crewcabs with tipper backs, doublecabs and other forms of pick-up trucks and vans.

If I have an accident what happens while my my van is being repaired?

Generally you will have opted for replacement van cover when you took out insurance with us.  We completely understand that you need to keep working and our claims department will do everything possible to help you.

What kind of business or personal use is appropriate for me?

We can insure you for trade use, business and personal use, or personal use only.  It’s important to get this right to ensure you are fully covered in the event of an accident.
By far the best thing to do is to call us on 0800 954 2873 to ensure you get the cheapest van insurance quote for your needs. 



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I carry and deliver goods for customers – are these insured?

This would not normally be covered.  Please note that if you make deliveries then you will still require insurance for “Carriage of Goods for Reward” even though the items themselves are not covered.

What about my tools and equipment – are they insured?

Comprehensive policies normally cover your tools up to a value of £xxx for any one claim.  If you have Third Party Fire & Theft Cover or you require tools and equipment cover over the value of £xxx you should speak to us about this.

Am I insured for legal expenses?

If you have paid for legal cover with your van or pick-up insurance then you are normally covered for legal assistance expenses to recover uninsured losses, including your excess, as well as legal costs in pursuing a case against a third party and the defence against a prosecution.  This does not normally include drink or drug-related offences.

Can I insure my van under my Company name?

You should insure your van under your own name as the policyholder.

What if I have a fleet of vans?

Please discuss this with us.  We have some very attractive discounts for operators of fleet vehicles.

For insurance for vans, pick ups and crewcabs we have a further page of answers to frequently asked questions.  If you cannot find the answer to your question on this or the next page, please don’t hesitate to contact us.  We’re here to help.

We also have a main van insurance page.

The Premium Choice for Van Owners - 0800 954 2873

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