Van Insurance That Works as Hard as You Do
Driving a van in the Channel Islands isn’t always easy. You deal with narrow lanes, stone walls, height barriers and tight job sites every day. Whether your van is for work, deliveries or day-to-day use, we help you find cover that keeps you moving.
As an independent broker, we work with a panel of insurers and explain your options in clear, everyday language. You choose the policy that fits your van, your work and your budget.
Who We Help
We arrange van cover for:
Self-employed workers and small business owners
Vans used for carrying tools, equipment or materials as part of your work
Drivers using their van for both work and personal travel
Multi-van business owners
Anyone using a van for commuting or family trips
Swipe left or right to see more ➡️
Not sure how your van use should be described? Just ask, we’ll help you get it right.
What Your Policy Can Cover
Every van and every business is different. We work with several insurers to help you find cover that fits how, where and how often you use your van.
Standard features
Included on most van policies, depending on the insurer and level of cover chosen.Damage or injury you cause to other people or their property.
Fire and theft cover.
Damage to your own van (with Comprehensive cover).
Windscreen repair or replacement.
Cover for driving in the UK and Europe (time limits apply).
Liability while loading and unloading.
Courtesy van while yours is being repaired, subject to availability.
No-claims discount, where offered.
Optional extras
We’ll explain which options may be useful for you and which you may not need.Breakdown cover in the Channel Islands, UK or Europe.
Cover for built-in fittings, shelving, tool racks or signage.
Protected no-claims discount.
Legal expenses.
Tools and business kit cover (often not included as standard).
Cover for personal items in the van.
Tech cover for audio equipment, sat navs and similar items.
Extended UK or EU cover for longer trips or contracts.
Trailer cover, third-party liability is usually included as standard, with
comprehensive trailer cover available as an option.
Cover for heavy, specialist or high-value vans (may need approval).
Cover for more than one van under a single policy.
If your van is modified, imported or high-value, we’ll guide you through what may need additional insurer approval and handle the paperwork with you.
Levels of cover, what’s included
Use this table to compare the main differences between cover levels. Features and limits vary by insurer, we’ll confirm exactly what applies to your policy.
On mobile, tap a cover type below to compare what’s covered.
| Feature | Third Party Only (TPO) | Third Party, Fire & Theft (TPFT) | Comprehensive |
|---|---|---|---|
| Damage or injury to other people or their property | |||
| Fire damage to your van | |||
| Theft of your van | |||
| Damage caused by attempted theft | |||
| Accidental damage to your own van | |||
| Windscreen repair or replacement | |||
| Courtesy van during approved repairs |
* Subject to insurer terms, availability and policy limits.
- Damage or injury to other people or their property
- Fire damage to your van
- Theft of your van
- Damage caused by attempted theft
- Accidental damage to your own van
- Windscreen repair or replacement
- Courtesy van during approved repairs
- Damage or injury to other people or their property
- Fire damage to your van
- Theft of your van
- Damage caused by attempted theft
- Accidental damage to your own van
- Windscreen repair or replacement
- Courtesy van during approved repairs
- Damage or injury to other people or their property
- Fire damage to your van
- Theft of your van
- Damage caused by attempted theft
- Accidental damage to your own van
- Windscreen repair or replacement
- Courtesy van during approved repairs
* Subject to insurer terms, availability and policy limits.
Common questions we get
- Young drivers: Some insurers accept them, often with higher excesses.
- Tools: Often not covered as standard, especially overnight.
- Trailers: Usually covered for third-party damage unless comprehensive trailer cover is added.
- Personal items: Often limited and usually only after a valid claim.
- UK or EU trips: Time limits normally apply.
- Garaging: Can help with pricing but isn’t always required.
We’ll talk all of this through with you so there are no surprises later.
How it works
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Step 1 of 4
Tell us about your vehicle Where you keep it, what you drive, and how you use it.
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Step 2 of 4
We compare insurers We review options from our panel to find suitable cover.
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Step 3 of 4
You review the quotes We explain what each option includes so you can choose with confidence.
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Step 4 of 4
We arrange your policy When you’re ready, we set it up and handle the paperwork.
We’re here at renewal and if you ever need help with a claim. Terms, conditions and exclusions apply.
Why Use a Broker?
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We work for you, not the insurers.
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We know what insurers needs to know when it comes to tools, trailers and trade use
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You get real people in Jersey, Guernsey and Alderney when you need help.