Van insurance optional extras explained, including legal protection, breakdown cover, personal accident cover, windscreen cover and courtesy van cover.
What's included in your van insurance cover as standard will depend on which policy you choose and will vary between insurers - always remember to read your policy documents carefully to see what is and isn't included.
Here are some of the most common policy extras available, with links to more in-depth articles in case you need to know more:
Your policy may offer legal protection, but if it doesn't then you may want to consider purchasing it as an optional extra. This sort of cover can:
Breakdown cover can be invaluable, especially if you use your van for commercial purposes.
It's possible to buy your breakdown cover with your van insurance, but you may be able to find a more appropriate deal by buying a policy separately.
If you're offered breakdown cover from your insurer, make sure that it fulfils your requirements and has all the features that you need.
Levels of breakdown will vary depending on the policy, but could include:
For more information, read our article on van breakdown cover.
If you want to drive your van abroad you'll need a policy which includes this type of cover already, or you can purchase it as an optional extra.
Windscreen cover is often included on comprehensive policies, but an excess usually applies
A green card (obtained from your insurer) will provide you with the minimum level of insurance in over 40 countries, but as this is basic protection you may want to consider purchasing additional cover.
Check the level of cover you will receive abroad as some insurers will offer third party only, even if you have comprehensive cover in the UK, and always make sure that the country you're visiting is covered by the policy.
If you aren't able to use your van because it's been taken away for repair or written off, courtesy van insurance can provide an alternative vehicle until yours has been returned, or for a pre-determined period until you find a new one.
Bear in mind that certain restrictions and exclusions are likely to be included on any policy - for example, you will probably have to use your insurer’s approved repairer.
Typically only a minority of policies offer trailer cover as standard, while others may allow you to purchase it as an optional extra.
"Don't make the mistake of assuming that your trailer will be covered as part of your car or van insurance," said Gocompare.com's Matt Oliver.
"If you're thinking of taking particularly expensive kit with you, it's worth checking with your insurer that it's covered or if you can add it as an extra to your existing policy."
Read more information in our guide to towing and insurance.
Personal injury/personal accident cover can pay out a specified tax-free sum in the event of an accident that results in a serious injury or death.
Consider whether you need this add-on, check whether it's included on your policy as standard, and decide whether the level of cover you have is sufficient for your needs.
If you have comprehensive insurance, this could provide cover for certain tools that you keep in your van, perhaps capped at a certain value
Windscreen cover is often included on comprehensive policies, but an excess usually applies. This type of product can offer repairs for chips and cracks in your windscreen, or replacement of the entire windscreen if required.
Lower levels of insurance, such as third party, may not provide the cover you need for your tools, especially if they're valuable, so buying tool cover as an optional extra could be something worth thinking about.
If you have comprehensive insurance, this could provide cover for certain tools that you keep in your van, perhaps capped at a certain value - consider whether this is sufficient for your needs.