Van Insurance

Van policy- What are my obligations?

When you take out a van insurance policy with Budget Insurance, as part of our general policy conditions you will be required to conform to our five main obligations.

The obligations form part of your insurance contract and the insurer will only provide you with the cover detailed in the policy document providing that you and the other drivers comply with the conditions.

Please see below a brief overview of the five obligations. You can find out more about them in your policy documents.

Obligation 1 – taking care of your van

  • Your van should be kept in a roadworthy condition
  • Your van should have a current MOT certificate, if applicable
  • You should take all reasonable care to make sure you protect your van against loss or damage

Obligation 2 – your duty to disclose information

  • You should make sure that you have answered all our questions truthfully
  • You must tell us about any changes to your personal details as soon as you can

Obligation 3 – accidents and claims

  • You should tell us if you or any insured driver is aware of any accident or loss relating to your van
  • You should tell us if you or any insured driver receives a notification of a prosecution, an inquest or a fatal accident enquiry

Obligation 4 – fraud

  • You must not make any false or exaggerated claims

Obligation 5 – other insurances

  • If you make a claim and there is any other insurance covering the same liability, the cost must be shared by all the insurers involved

Need a Budget Van Insurance Quote?

Budget Insurance offers simple, flexible car insurance whatever level of cover you’re looking for.

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.