My Cover FAQs

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What does van legal expenses cover include?

We offer legal expenses cover for only £22.75 a year. This provides you with up to £100,000 to help in recovering losses you are not insured for, personal injury and compensation for damaged belongings following a motor accident that was not your fault. If you would like to find out more, please click the link below: https://www.ageas.co.uk/van-insurance/legal-expenses-cover/

What does breakdown cover include?

We offer multiple levels of breakdown cover, from £37.50 a year. To find out more or to check if you have this cover in place, please click one of the links below.

Full UK and European Recovery - Our Full UK and European Recovery level of breakdown cover will offer you onward travel, UK vehicle recovery, home assistance and roadside assistance in the UK and Europe, 24 hours a day, 365 days a year, from £99. You can find out more by clicking the link below: https://www.ageas.co.uk/van-insurance/breakdown-cover/

Full UK Recovery - Our Full UK Recovery level of breakdown cover will offer you onward travel, UK vehicle recovery, home assistance and roadside assistance in the UK, 24 hours a day, 365 days a year, from £74. You can find out more by clicking the link below: https://www.ageas.co.uk/van-insurance/breakdown-cover/

Roadside Plus - Our Roadside Plus level of breakdown cover will offer you roadside assistance, local vehicle recovery, onward travel and UK vehicle recovery, 24 hours a day, 365 days a year, from £44.99. You can find out more by clicking the link below: https://www.ageas.co.uk/van-insurance/breakdown-cover/

Roadside - Our Roadside level of breakdown cover will offer you roadside assistance and local vehicle recovery 24 hours a day, 365 days a year, from £37.50. You can find out more by clicking the link below: https://www.ageas.co.uk/van-insurance/breakdown-cover/

What does replacement van cover include?

Replacement van cover can be added to your policy for £21.70 a year. This optional extra gives you a hire van for up to 14 days, if your van is written off following an accident that was your fault or is stolen and unrecovered. If you would like to learn more about this cover, please click the link below: https://www.ageas.co.uk/van-insurance/replacement-van-cover/

What is excess protection cover?

We offer excess protection cover from only £29.50 a year. This optional extra is designed to reimburse the excess paid up to £500 in the event of a claim made against your policy, where costs cannot be recovered from a third party. You can claim up to £500 twice during the period of insurance. The value of the claim must be more than the excess stated on your policy, and evidence of the excess you have paid is required when making a claim. Excludes reimbursement of any windscreen/glass excesses. To see the full details of this cover please click the link below: https://www.ageas.co.uk/van-insurance/excess-protection-cover/

Can I drive my van in Europe and abroad?

You will be provided with cover as standard while you or any driver covered on your policy is driving within the European Union. The European Commission has announced that with effect from the 2nd August 2021, UK drivers will no longer be required to carry Green Cards when driving their vehicle in the EU (including Ireland), Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Serbia, and Switzerland. You can find out more within your policy booklet, or by clicking on the link below. https://www.ageas.co.uk/green-card-information/

Please be aware that a Green Card may still be required to drive in other countries, including: Albania, Azerbaijan, Belarus, Moldova, Russia, Turkey and Ukraine. For more information on government guidelines, please visit the link below https://www.gov.uk/vehicle-insurance/driving-abroad.

If you still require a Green Card, you can request one at no extra cost from us by calling 0345 165 0946. Please have your travel dates available and give us 2-3 weeks’ notice to ensure that you receive your Green Card in the post in good time. Alternatively, if you prefer, we can email your Green Card to you, but you will have to print it off yourself.

Can I drive other cars or vans?

You are not covered to drive other vehicles.

Do I need business use?

Business use is needed if you are travelling to more than one place of work.

When do I get a courtesy van?

A courtesy van is covered as standard in our policies. This will only be provided whilst your vehicle is being repaired by one of our approved repairers.

We also offer 'Replacement Van Cover', which provides a hire van for up to 7 continuous days if the van you have insured with is unrecoverable (for example, if it was stolen or written off). The courtesy vehicle will be a similar size to the insured vehicle. We will not provide specialist vehicles such as a tipper.

You will not need to add this as optional cover if you would only like to be covered with a courtesy van in the event of your van being repaired by one of our approved repairers.

What's a policy excess?

A policy excess is the amount you have to pay towards the cost of your claim. There are different excesses that may apply. Details of your policy excess can be found in your policy schedule, or as part of your quote result.

A compulsory excess is the amount you have to pay towards the claim. This will be shown in your policy schedule as a ‘standard’ excess.

A voluntary excess is something you may have added when you took your policy out.

This excess will be added to the standard (or compulsory) policy excess in the event of a claim.

Am I covered for voluntary driving?

Voluntary work is work carried out by a person willingly without receiving any financial gain (except for mileage allowance). This is not something we need to record on your policy.

Am I covered for caravans and trailers?

Your motor policy will cover you using your van to tow any single trailer-caravan or broken-down vehicle while it is attached to your van and if allowed by law, provided it is not being towed for hire or reward.

My vehicle's not showing as insured on the Motor Insurance Database

It can take up to 72 hours for the Motor Insurance Database to be updated. Your cover will start on the date shown on your policy documents.

Why won't you cover me anymore?

We use a range of information to see whether we can provide a quote. If we can’t provide one to you today, please try us again in future because we do review this information regularly.

Do you offer temporary cover?

We offer temporary cover for drivers and vehicles at Ageas Direct. To discuss this further or get a quote please call us and we’ll be more than happy to help.

I’ve just bought a new van – am I still covered to drive my old van when I pick it up?

Yes, on the day you are picking up your new van you are covered for the old van until you physically collect and start driving your new van, at which point your cover will switch to the new van.

I am unable to get a quote after inputting my claim details, why is this?

Unfortunately, we will need you to  call us in order for us to help you with this.

Can you improve my renewal price?

We want to make renewing easy. We think it is fairer and more convenient for our customers if we provide our final price from the outset based on the information we hold for you. We don't offer discounts.

To renew now or stop your renewal just click the link below: https://my.ageas.co.uk/


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