Top

Will I be able to use my private car no claims bonus?
Yes, the no claims bonus can usually be transferred to the commercial vehicle.

Top

Does my cover allow me to drive other vehicles on my Commercial policy?
No, you will only be covered to drive the vehicles stated in the policy certificate

Top

Are my tools covered?
No, tools are not covered under this policy. However, if you take out our liability insurance cover then we can add an optional tools insurance cover.

Top

Can I protect my no claims bonus on a commercial policy?
Yes! This service is available from most insurers as an option if you have at least 4 years no claims discount.

Top

Do you insure drivers who have claimed or have convictions?
We offer specialist deals for drivers with motoring convictions or claims and we have excellent rates available.

Top

Do you offer Public Liability Cover and other Commercial Insurance Products?
We have competitive rates for Public Liability Cover and Commercial Insurance Products.
Top

Do you offer Goods in Transit and Combined Liability (Employers Liability)?
Yes we offer extremely competitive rates on both these options.

Top

Can I put the policy in my company's name?
Yes we offer a range of discounts for company policies.

Top

Can my partner drive the vehicle?
Yes! We can place your partner on the policy, subject to receiving their full details.

Top

Will I be insured to tow a trailer/generator etc?
Subject to being within legal size anything towed is usually. Please note this is covered for Third Party Only.
Top

What is an excess?
An excess is a contributory amount you pay, when making a claim; however if the claim is deemed not to be your fault, it may be possible to recover your excess from the party deemed to be at fault.
Top

If I've been named on another policy, am I entitled to any no-claim discount?
1 Stop Insurance like most insurers, will only reward the actual policy holder with no-claim discount. However, if you have been claim free we may be able to give some type of introductory discount.  To find out more please contact our team.

Top
What happens if I have an accident?
Depending on your cover, your insurer will arrange for your van to be recovered to our nearest approved repairer. You don't need to worry about estimates as they will authorise any work and settle payments direct with the repairer. All repairs are guaranteed by the insurers approved repairers.
Top

How do I get about whilst my van is being repaired?
If you have opted for this cover, a replacement van is provided for a period up to 14 days. Courtesy vehicles for van insurance are not normally included in the policy. If your claim is non fault and you have taken out our legal protection policy then the legal protection company may be able to assist. Subject to the accident details they may be able to arrange credit hire and even credit repair, claiming the costs back from the negligent third party.

Top
What is legal cover?
Our legal protection cover provides legal advice via a 24 hour, 365 days a year helpline. Legal cover provides assistance to recover uninsured losses (such as excess), medical losses or loss of earnings. The policy will provide up to £50,000 for legal costs to pursue a case after a motoring accident.
Top

Can I drive abroad on my insurance?
Your insurance will automatically cover you to drive in any countries which are members of the European Union, to the minimum level of insurance required (usually third party only).
If you require a higher level of cover this may be automatically included or need to be added as an option to your policy. Please contact us to confirm your policy situation or at quotation stage request this cover be included.

Top
What is protected no-claim discount?
With 1 Stop Insurance van cover, clients can protect their no-claim discount for up to two at fault claims in any 5-year period. This means that if your van is stolen, or you have no other party to claim against, you won't have to lose your no-claim discount as well. Clients must be a private individual or a sole trader, company or voluntary organisation and have at least 5 years no-claim discount.
Top

Which kind of business use do I need?
If you travel to and from work and transport business related goods such as your own tools you require "Carriage of Own Goods. "This would be suitable for professions such as a plumber, decorator, window cleaner or florist (there is no cover for loss of, or damage to your tools though.) "Carriage of Goods for Hire & Reward" extends this cover to include the transport of goods for payment and would be suitable for a fast food or catalogue goods delivery driver. Again, no cover exists for loss of, or damage to the goods being carried.

Top
Can I get instant cover?
If you pay by either a credit or debit card, we can provide you with instant cover.
Top

What are the payment options?
You can pay for your insurance annually using a credit /debit card, cash, cheque or BACS transfer. Alternatively you can pay by 3 monthly premiums or a monthly direct debit after an initial deposit.

Top
What type of changes do I need to tell you about?
You must tell us of changes to all material facts. By material facts we mean things like change in your name, change in your mileage, modifications to your van, any driving convictions you have received. If you are in doubt about a change to your details, please let us know.
Top

I have heard that if I leave my keys in the van that I am not covered on my van insurance. Is this true?
Yes, that is correct. If you leave your keys in your van even if it is only to pop out and pay for your petrol or drop off a letter and your van is stolen, your van will not be covered. So remember always to take your keys with you or make sure someone stays with the van or it could prove an expensive couple of minutes!

Top
If I have a maximum no-claim discount and I buy a second van can I add my no-claim bonus to both vans?
The short answer is no. You must earn another no-claim bonus for a second vehicle. If you have already used one on your vehicle, you must earn a second no-claim bonus on your second van. However, we can give our customers an introductory discount equivalent to the no-claim bonus they currently hold subject to terms and conditions.
Top

How can I insure my van for driving abroad?
If you pay an extra premium, your insurance can be extended to provide the same level of cover in the European Union and some other European countries as you have in the Territorial Limits. If you want to extend your insurance, you must contact us at least two weeks beforehand and we will provide the necessary documents.

Top
I am taking my van off the road for a period of time - do I still have to pay my insurance premium?
If your van will be out of use for a continuous period of more than 28 days or more, and this is not as a result of any loss or damage covered by this insurance, we may be able to suspend your cover and earn a credit off your next year of insurance for the laid-up period. If you want us to suspend your cover, please contact us and return your Insurance Certificate immediately. During the period when cover is suspended, we will continue to provide cover for loss or damage caused by fire or theft while your van is in a locked private garage.
Top

I have been involved in an incident but am unsure of my legal position - what help can you provide?
If you have taken the Legal Services option which will be shown on your insurance schedule, we will give you confidential advice over the telephone on any personal legal matter in relation to the use of your van. We will tell you what your legal rights are, what course of action is available to you and whether these can be best implemented by you or whether you need to consult with a lawyer. There are no consultation fees and lines are open 24 hours a day, 365 days a year.

Top