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Pay-as-you-go Van Cover Requirements

Insurers require several things of motorists. First, they often require evidence of certain details provided in the application for insurance. They require a basic standard of behaviour by motorists they authorise to drive their vans. Motorists must also disclose any material information that would affect the policy or the insurer's ability to cover them. Failure to abide by these requirements can result in the invalidation of the policy and the refusal to pay claims.

Licence and No Claims Discount

After purchasing cover, the insurer may require motorists to send in copies of licences and proof of their no claims discount. The insurer wants to validate motorists' details and thus reduce fraud, keeping premiums lower for legitimate insured motorists. As such, they may require a copy of the Counterpart and both sides of a motorist's driving licence photo card. They will accept certain documents as proof of the no claims bonus, including one's private car bonus, one's EU bonus if offered in English by a sworn translator, one's commercial vehicle bonus if it has been used for personal purposes, or proof of a company car or van claims-free driving experience, among others. Any proof of one's discount must come from the last two years; proof older than two years is no longer valid.

Basic Van Care

Insurers expect a basic minimum amount of care to be taken with vans covered by their policies. Policy documents often state that motorists must take all "reasonable precautions to avoid loss or damage." Such precautions may include things like closing and locking all doors, windows, and sunroofs, not leaving personal items in sight, or activating alarms when leaving the car. Insurers may require proof that security measures have been fitted to the van these may include alarms, tracking devices, or immobilisers. Insurers also require that motorists keep vans in roadworthy condition; they may require documents that show vans were regularly maintained. They can examine the van whenever they like. If motorists fail to take reasonable care of the vehicle, the policy may be invalidated and the insurer no longer has to pay any claims.

Duty of Disclosure

Motorists must give insurers complete and accurate information when purchasing cover, during the period of cover, and when renewing the policy. Any changes in information material to insurance cover needs to be disclosed to the insurer. Failure to do so, or inaccuracies in the information provided, may void the cover. The Road Traffic Act makes it an offence to make false statements or withhold material information in order to obtain a Certificate of Insurance.

Insurers often have additional requirements of motorists on vans that they cover. It's important for motorists to verify that they are abiding by all required standards.

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*PLEASE NOTE: All details above are based on a typical policy and conditions will change from time to time, and from one insurer to another so please check policies carefully before entering into any commitments.
 

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