Additional cover options to consider adding to your van insurance policy

Van Blog

Deciding what add-ons to include in your insurance policy can be a stressful and confusing process. To help make these decisions easier, we’ve come up with an easy guide to some of the different options that are available to you.

What additional cover options are there?

Insurance providers can offer a variety of different add-ons but here are five common options that can be provided:

Breakdown Assistance

Breaking down is always a nightmare. To make things worse, paying for the call out fee, motorway tow truck charge and garage bills can take a heavy toll on your wallet. That’s why some insurance providers offer Breakdown Assistance for your van, which makes sure that you are not stranded at the roadside without any help.

There are varying levels of breakdown assistance so make sure you double check the details of your own insurance provider’s offer.

Personal Accident Cover

This cover aims to support you financially if you were to sustain an injury as a result of an accident, in or out of your van. Money is paid out to the driver or their family following the accident, providing financial relief so you don’t have to worry about being unable to work while you recover.

Again, the amount will depend on the level of cover you have and upon the terms and conditions of each individual insurance providers .

Guaranteed Replacement Van

Certain insurance providers  may also guarantee a replacement van as an optional add-on when yours is being serviced or repaired. This additional cover does exactly what its name suggests, guaranteeing you access to a van to keep you on the move whilst yours is unavailable.

However, be sure to double check with your insurance provider to see if this can be added on or if its already included.

Keycare Cover

Losing or have your keys stolen can be another massive headache for a van driver. That’s why some insurance providers offer to cover the cost of replacing your lost keys with this add-on.

Again though, the level of cover provided will depend upon your individual insurance provider and some even offer access to locksmiths to help gain access to what is yours.

Van & Tools Content Cover

The prospect of having your belongings stolen or damaged is a worrying prospect, whatever your profession. This is why some insurance providers offer protection for your tools and contents in case of theft, malicious or accidental damage to give you peace of mind. With some insurers, such as Budget, tools and contents cover is not just limited to belongings you need for your job but also any equipment you have for hobbies.

As always, be sure to double check the details of your own insurance providers add-ons, as the level and terms of conditions of the cover will vary between insurers.

What do Budget offer?

At Budget, we want all of our customers to have peace of mind. That’s why, whatever cover you choose, you can get even more protection with our additional cover options, which include all of the above add-ons.

If you’d like to find out more information about all things motor insurance, have a browse through the driving segment of our blog.

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We’re currently experiencing a high volume of calls into our contact centre and whilst we are doing our very best to maintain service levels, we ask that you only call our contact centre if absolutely necessary so we can keep our phone lines available  for vulnerable customers and those who don’t have access to online services.

If you need to check any details or make a change to your policy, please  log in to your Self-Service Centre. It will be much quicker for you to make changes to your policy online at the moment. Once logged in, you can also use our Webchat service which is available Monday- Saturday 8am-6pm and Sunday 10am-4pm to make changes, accept or decline your renewal or if you need to let us know about a claim. To log in, please click here.

We also have some other information that may be useful. Click here to read our FAQ’s, and information on what we are doing to support key workers can be found here.