Direct Line Van Insurance

Third Party, Fire & Theft

Conditions which apply to sections B, C and D
3. Removing and delivering your car
If your car cannot be driven as a result of loss or damage covered under this policy, we will pay the reasonable cost of taking it to the nearest suitable repairer. We will also pay the reasonable cost of delivering your car to you at the address shown in the schedule after it has been repaired. We may put your car in safe storage, before it is repaired, sold or taken for scrap. We will pay the reasonable cost of storage.
Following an accident, we will help you and your passengers make arrangements to get home or to your original destination, or take you to a safe place.

Section G - Territorial limits and foreign use
Foreign use
1. Territorial limits and using your car abroad
a) This policy provides the cover described in your schedule in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man, the Channel Islands and during journeys between these places.
b) It also provides the minimum cover you need by law to use your car in:
- any country which is a member of the European Union; and
- any country which the Commission of the European Community approves as meeting the requirements of Article 7(2) of the European Community Directive on Insurance of Civil Liabilities arising from using motor vehicles (number 72/166/CEE).

2. Policy cover abroad
In return for any extra premium we may charge, we will extend your policy and give you the same level of cover as you have in section G1a for the agreed period. Your car will also be covered during journeys between those countries by a recognised carrier.

3. Customs duty
If you have to pay customs duty on your car in any of the countries covered in section G1b because of repairs covered under the policy, we will pay these costs for you.

Section G - Territorial limits and foreign use
Foreign use
1. Territorial limits and using your car abroad
a) This policy provides the cover described in your schedule in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man, the Channel Islands and during journeys between these places.
b) It also provides the minimum cover you need by law to use your car in:
- any country which is a member of the European Union; and
- any country which the Commission of the European Community approves as meeting the requirements of Article 7(2) of the European Community Directive on Insurance of Civil Liabilities arising from using motor vehicles (number 72/166/CEE).

2. Policy cover abroad
In return for any extra premium we may charge, we will extend your policy and give you the same level of cover as you have in section G1a for the agreed period. Your car will also be covered during journeys between those countries by a recognised carrier.

3. Customs duty
If you have to pay customs duty on your car in any of the countries covered in section G1b because of repairs covered under the policy, we will pay these costs for you.

General conditions
General conditions which apply to sections A to H
5. Cancelling, suspending or amending your cover
a) We have the right to cancel this policy by sending seven days' written notice to your last known address. If we do, we will return the premium less an amount for the period the policy has been in force. The certificate of motor insurance will stay our property and you must return it to us immediately in line with the Road Traffic Acts.
b) You can cancel or suspend this policy at any time by returning the certificate of motor insurance to us with seven days' written notice. Cancelling the direct debit instruction does not mean you have cancelled the policy. We will work out any charge from the date we receive the certificate of motor insurance from you.
As long as no claim or loss has arisen in the current period of cover, we will:
- if you cancel cover, return any unused premium less the cancellation rates shown in the schedule; or
- if you suspend cover, hold the premium until we reinstate cover or until the policy expiry date shown in the schedule.
You must suspend cover for at least 28 days in a row to qualify for a credit. If you are paying by instalments, you must still pay the yearly premium and you must keep up payments during the period of suspension.
We will not refund your premium if you have made a claim or if one has been made against you during the period of cover.
c) If you make any temporary or permanent changes to your policy during the year, you may have to pay an administration fee.
Any administration fee we charge you will be shown on your schedule.

Conditions which apply to sections B, C and D
3. Removing and delivering your car
If your car cannot be driven as a result of loss or damage covered under this policy, we will pay the reasonable cost of taking it to the nearest suitable repairer. We will also pay the reasonable cost of delivering your car to you at the address shown in the schedule after it has been repaired. We may put your car in safe storage, before it is repaired, sold or taken for scrap. We will pay the reasonable cost of storage.
Following an accident, we will help you and your passengers make arrangements to get home or to your original destination, or take you to a safe place.

Conditions which apply to sections B, C and D
3. Removing and delivering your car
If your car cannot be driven as a result of loss or damage covered under this policy, we will pay the reasonable cost of taking it to the nearest suitable repairer. We will also pay the reasonable cost of delivering your car to you at the address shown in the schedule after it has been repaired. We may put your car in safe storage, before it is repaired, sold or taken for scrap. We will pay the reasonable cost of storage.
Following an accident, we will help you and your passengers make arrangements to get home or to your original destination, or take you to a safe place.

Standard
Accident recovery helpline
Our 24-hour, 365-day accident recovery helpline is there for you to use if you have an accident or your car breaks down. Just call 0800 269 015 and well take care of the rest.
Windscreen helpline
If you need a new windscreen or car windows in a hurry, simply call 0800 328 7423 (Autoglass).
Glass etching
Visit your local Autoglass branch to have your cars registration number or chassis number engraved onto your glass.

Yes
Accident recovery helpline
Our 24-hour, 365-day accident recovery helpline is there for you to use if you have an accident or your car breaks down. Just call 0800 269 015 and well take care of the rest.
Windscreen helpline
If you need a new windscreen or car windows in a hurry, simply call 0800 328 7423 (Autoglass).
Glass etching
Visit your local Autoglass branch to have your cars registration number or chassis number engraved onto your glass.

Section A - Liability to other people
1a. Cover for you
We will cover you for your legal responsibility if there is an accident which involves your car and:
- you kill or injure someone; or
- you damage their property.
This cover also applies to any accident involving injury or damage caused by a trailer or vehicle you are towing.
1b. Driving other cars
If your certificate of motor insurance says so, this policy provides the same cover as above in 1a when you are driving any other motor car as long as you do not own it and it is not hired to you under a hire-purchase or leasing agreement. This cover only applies if:
- there is no other insurance in force which covers the same claim;
- you have the owner's permission to drive the car;
- the car is registered in and being driven in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands; and
- you still have your car and it has not been damaged beyond cost-effective repair.
If you drive another car under this section, there is no cover for damage, fire or theft to the car you are driving.

2. Cover for other people
We will also provide the cover under section 1a for:
- anyone insured by this policy to drive your car, as long as they have your permission;
- anyone you allow to use but not drive your car;
- anyone who is in or getting into or out of your car;
- the employer or business partner of anyone covered by this section; or
- the legal personal representative of anyone covered under this section if that person dies.

3. Costs and expenses
a) Legal costs
We can decide to pay reasonable legal costs and expenses to defend or represent you or any driver covered by this policy if you or they kill or injure somebody or damage their property.
All expenses must be agreed beforehand.
b) Emergency medical treatment
We will pay for emergency treatment fees as set out in the Road Traffic Acts. If we make a payment under this section, it will not affect your no claim discount.

4. Payments made outside the terms of the policy
If, under the law of any country, we have to make a payment which we would not otherwise have paid under this policy, the person responsible must repay that amount to us.
Exceptions to section A
What is not covered
We will not cover:
- loss of or damage to any car you drive or any trailer or vehicle you tow;
- anyone who has other insurance covering the same liability;
- death or injury to anyone while they are working with or for the driver of the car; except as set out in road traffic law;
- damage caused by any driver insured by this policy to any property they own or are responsible for;
- liability for more than £20,000,000 for any claim or series of claims for loss of or damage to property including any indirect loss or damage caused by one event (including all costs and expenses);
- liability caused by acts of terrorism as defined in the Terrorism Act 2000 unless we have to provide cover under the Road Traffic Acts; or
- legal costs or expenses related to charges connected with speeding, driving under the influence of alcohol or drugs, or for parking offences.
- any liability that is not required to be covered under the terms of the Road Traffic Act whilst you are loading or unloading directly from Your Van.
- liability for death, injury or damage when Your Van is not on a public road and is in the process of being loaded or unloaded by any person other than the driver or attendant of Your Van.

Section A - Liability to other people
1a. Cover for you
We will cover you for your legal responsibility if there is an accident which involves your car and:
- you kill or injure someone; or
- you damage their property.
This cover also applies to any accident involving injury or damage caused by a trailer or vehicle you are towing.
1b. Driving other cars
If your certificate of motor insurance says so, this policy provides the same cover as above in 1a when you are driving any other motor car as long as you do not own it and it is not hired to you under a hire-purchase or leasing agreement. This cover only applies if:
- there is no other insurance in force which covers the same claim;
- you have the owner's permission to drive the car;
- the car is registered in and being driven in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands; and
- you still have your car and it has not been damaged beyond cost-effective repair.
If you drive another car under this section, there is no cover for damage, fire or theft to the car you are driving.

2. Cover for other people
We will also provide the cover under section 1a for:
- anyone insured by this policy to drive your car, as long as they have your permission;
- anyone you allow to use but not drive your car;
- anyone who is in or getting into or out of your car;
- the employer or business partner of anyone covered by this section; or
- the legal personal representative of anyone covered under this section if that person dies.

3. Costs and expenses
a) Legal costs
We can decide to pay reasonable legal costs and expenses to defend or represent you or any driver covered by this policy if you or they kill or injure somebody or damage their property.
All expenses must be agreed beforehand.
b) Emergency medical treatment
We will pay for emergency treatment fees as set out in the Road Traffic Acts. If we make a payment under this section, it will not affect your no claim discount.

4. Payments made outside the terms of the policy
If, under the law of any country, we have to make a payment which we would not otherwise have paid under this policy, the person responsible must repay that amount to us.
Exceptions to section A
What is not covered
We will not cover:
- loss of or damage to any car you drive or any trailer or vehicle you tow;
- anyone who has other insurance covering the same liability;
- death or injury to anyone while they are working with or for the driver of the car; except as set out in road traffic law;
- damage caused by any driver insured by this policy to any property they own or are responsible for;
- liability for more than £20,000,000 for any claim or series of claims for loss of or damage to property including any indirect loss or damage caused by one event (including all costs and expenses);
- liability caused by acts of terrorism as defined in the Terrorism Act 2000 unless we have to provide cover under the Road Traffic Acts; or
- legal costs or expenses related to charges connected with speeding, driving under the influence of alcohol or drugs, or for parking offences.
- any liability that is not required to be covered under the terms of the Road Traffic Act whilst you are loading or unloading directly from Your Van.
- liability for death, injury or damage when Your Van is not on a public road and is in the process of being loaded or unloaded by any person other than the driver or attendant of Your Van.

Section G - Territorial limits and foreign use
Foreign use
1. Territorial limits and using your car abroad
a) This policy provides the cover described in your schedule in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man, the Channel Islands and during journeys between these places.
b) It also provides the minimum cover you need by law to use your car in:
- any country which is a member of the European Union; and
- any country which the Commission of the European Community approves as meeting the requirements of Article 7(2) of the European Community Directive on Insurance of Civil Liabilities arising from using motor vehicles (number 72/166/CEE).

2. Policy cover abroad
In return for any extra premium we may charge, we will extend your policy and give you the same level of cover as you have in section G1a for the agreed period. Your car will also be covered during journeys between those countries by a recognised carrier.

3. Customs duty
If you have to pay customs duty on your car in any of the countries covered in section G1b because of repairs covered under the policy, we will pay these costs for you.

Section F - Other benefits
3. Hotel expenses
If your car cannot be driven after an accident or loss covered under section B of this policy, we will pay up to £150 for the driver (or £250 in total for all the people in the car) towards the cost of hotel expenses for an overnight stop if this is necessary.

Section F - Other benefits
4. New car cover
If your car is less than one year old and you are the first and only registered owner, we will replace it with one of the same make and model if it has:
- been stolen and not found; or
- suffered damage covered by the policy and the cost of repairing is more than 60% of the last United Kingdom list price.
We can only do this if a replacement car is available in the UK and anyone else who has an interest in your car agrees.
If a suitable replacement car is not available, or your car was not supplied as new in the UK, we will pay you the market value of your car at the time of the loss (less any excess that may apply). If we settle a claim under this clause, the lost or damaged car becomes our property and you must send us the registration document.

Yes
Who repairs my van?
One of our Network Repairers will repair your van. Our Network Repairers are approved garages which have been appointed by Direct Line to provide the highest customer service and quality of repairs for our customers.
In most cases the Network Repairer has the authority to carry out the repairs to your van immediately.
Each repair is carried out in accordance with recognised industry standards, it is guaranteed for at least 5 years and all replaced parts are approved by the van manufacturer.
Our own Engineers regularly visit the Network Repairers to ensure that our high quality standards are met.
We also have our own accident repair sites which allow us to understand the latest repair technology and ensure that the best possible standards are being adopted for our customers.

Conditions which apply to sections B, C and D
1. Hire-purchase, leasing and other agreements
If we know that your car is owned by someone else, we will settle any claim by paying the legal owner before we pay anything left over to you.
2. Parts
We may decide to repair your car with parts which have not been made by your car's manufacturer but which are of a similar standard.
If any part or accessory is not available, the most we will pay for that part will be cost shown in the manufacturer's last United Kingdom price list (plus reasonable fitting costs).
3. Removing and delivering your car
If your car cannot be driven as a result of loss or damage covered under this policy, we will pay the reasonable cost of taking it to the nearest suitable repairer. We will also pay the reasonable cost of delivering your car to you at the address shown in the schedule after it has been repaired. We may put your car in safe storage, before it is repaired, sold or taken for scrap. We will pay the reasonable cost of storage.
Following an accident, we will help you and your passengers make arrangements to get home or to your original destination, or take you to a safe place.
4. Repairs
If our approved repairers carry out the repairs, you do not need an estimate and work can start immediately. Or, you can arrange for reasonable and necessary repairs to be carried out at a repairer of your choice, as long as you give us a detailed repair estimate and full details of the incident before the work begins.
Repairs carried out by our approved repairers are guaranteed for five years unless you sell your car.
5. Uneconomical repairs
If your car is uneconomical to repair (written off) and we agree to settle your claim on that basis, you still owe the full yearly premium as we will have met all our responsibilities to you under the policy.
Once we settle your claim, your car will become our property and you must send us the registration document. All cover will then end unless we agree differently. We will not refund any of your premium.


General conditions
General conditions which apply to sections A to H
1. Your duty
We will only provide the cover set out in this policy if you keep to all the terms and conditions of the policy.
All information given to us must be, as far as you know, correct.
It is your responsibility to make sure that information relating to all drivers covered by the policy is accurate. If we discover that you or someone acting for you knowingly gave false information, we will cancel the policy, treat it as though it had never existed and we will not pay your claim.
2. Accidents and losses
You must tell us as soon as reasonably possible about any incident which may lead to a claim under this policy. If you receive any notice of prosecution, inquest or fatal accident inquiry or you are sent a writ, summons, claim or letter, you must send it to us, unanswered, as soon as possible.
3. Claims procedure
You must not admit liability for or negotiate to settle any claim without our written permission. We may take over, defend or settle the claim, or take up any claim in your name for our own benefit.
You must give us all the information and help we need. This condition does not apply to section H.
4. Settling disagreements
If we have agreed to a claim but disagree over the amount to be paid, an arbitrator will have to settle the problem. We and you will have to agree on an arbitrator. You cannot take legal action against us until the arbitrator has decided on the amount we should pay.
This condition does not apply to section H.
5. Cancelling, suspending or amending your cover
a) We have the right to cancel this policy by sending seven days' written notice to your last known address. If we do, we will return the premium less an amount for the period the policy has been in force. The certificate of motor insurance will stay our property and you must return it to us immediately in line with the Road Traffic Acts.
b) You can cancel or suspend this policy at any time by returning the certificate of motor insurance to us with seven days' written notice. Cancelling the direct debit instruction does not mean you have cancelled the policy. We will work out any charge from the date we receive the certificate of motor insurance from you.
As long as no claim or loss has arisen in the current period of cover, we will:
- If you cancel within the 14 days of it starting or within 14 days of receiving your documents (whichever occurs later), return any premium you have paid less a cancellation fee. Please refer to your Schedule for our current cancellation rates.
- If you cancel after those 14 days have passed, return any unused premium less a cancellation fee. Please refer to your Schedule for current cancellation rates.
- if you suspend cover, hold the premium until we reinstate cover or until the policy expiry date shown in the schedule.
You must suspend cover for at least 28 days in a row to qualify for a credit. If you are paying by instalments, you must still pay the yearly premium and you must keep up payments during the period of suspension.
We will not refund your premium if you have made a claim or if one has been made against you during the period of cover.
c) If you make any temporary or permanent changes to your policy during the year, you may have to pay an administration fee.
Any administration fee we charge you will be shown on your schedule.
6. Taking care of your car
You must:
- make sure your car is roadworthy;
- take all reasonable steps to protect your car and its contents from loss or damage;
- make sure you keep property left in an open or convertible car in a locked boot or locked glove compartment; and
- allow us to examine your car at any reasonable time if we ask you.
7. Car sharing
Your policy covers you for carrying passengers for social or similar purposes in return for payment. But it does not cover you if:
- your car is made or adapted to carry more than eight people (including the driver);
- you are carrying the passengers as customers of a passenger-carrying business; or
- you are making a profit from the passengers' payments.
If you are not sure whether a car-sharing arrangement is covered by the terms of this policy, please contact us.
8. Changes which may affect your cover
You must tell us as soon as possible if any of your details change including:
- changes made to your car which improve its value, performance, handling or attractiveness to thieves;
- changing your car;
- the car being used for a purpose not included in your certificate of motor insurance;
- you or anyone covered by this policy being convicted of a motoring offence other than fixed-penalty parking tickets;
- the address where you normally keep your car changes; and
- you or anyone covered by this policy changes occupation.
This is not a full list and you should let us know if any of the details you have given us change.
Once you have told us about a change, we will reassess your cover and premium. For some changes you may need to pay an extra premium.
If you do not tell us about any relevant changes, we may:
- reject or reduce your claim;
- cancel the policy and treat it as though it had never existed; or
- do both of the above.
You can find our contact details, including phone numbers, on the back cover.
9. Fraud
If you or anyone acting for you make a claim knowing that any part of it is false, we will not pay the claim and we may cancel your policy and all other policies you have with The Royal Bank of Scotland Group (the RBS Group). We may also involve the relevant authorities to bring criminal proceedings.
10. Other insurance
If you have other insurance which covers the same loss, damage or liability, we will not pay more than our share of your claim. This does not apply to personal accident benefit (see section E).
11. If you miss a payment
If you are paying your premium in instalments and you miss a payment, we may cancel your cover.
12. If you have not paid your premium
We may refuse your claim or take any unpaid premiums from any claim payment we make to you.
13. People involved in this contract
This contract is between you and us. Nobody else has any rights they can enforce under this contract except those they have under road traffic law.
14. Automatic renewal
We may automatically renew your policy on the renewal date.
If we plan to automatically renew, we will let you know we are planning to do this before your cover ends together with sending you details of the renewal premium. If you do not want to renew this policy, you should let us know before the renewal date.
15. Vehicle registration
To be covered by this policy your car must be registered in, or be in the process of being registered in, the UK, the Channel Islands or the Isle of Man.

General exceptions
General exceptions which apply to sections A to H
You are not covered for any of the following.
1. Who uses your car
We will not cover any injury, loss or damage which takes place while your car is being:
- driven or used by anyone not allowed to drive it, or used for any purpose not allowed by the certificate of motor insurance or schedule; or
- driven by someone who does not have a valid driving licence or is breaking the conditions of their driving licence. This exception does not apply if your car is:
- with a member of the motor trade for maintenance or repair;
- stolen or taken away without your permission; or
- being parked by an employee of a hotel, restaurant or car-parking service.
2. Contracts
We will not cover any claim as a result of an agreement or contract unless we would have been responsible anyway.
3. Radioactivity
We will not cover any loss or damage to property or any direct or indirect loss, expense or liability caused or contributed to by:
- ionising radiation or radioactive contamination from any nuclear fuel or waste; or
- the radioactive, toxic, explosive or other dangerous properties of nuclear equipment or its nuclear parts.
4. War
We will not cover any loss or damage caused by war, invasion, revolution or a similar event unless we have to provide cover under the Road Traffic Acts.
5. Riot
We will not cover any loss or damage caused by riot or civil commotion outside Great Britain, the Isle of Man or the Channel Islands. This exception does not apply to section A of this policy.
6. Use on airfields
We will not cover any damage or liability caused by using your car in any area where aircraft are normally found to be landing, taking off, moving or parked.
7. Pollution
We will not cover any accident, injury, damage, loss or liability caused by pollution or contamination, unless the pollution or contamination is caused by a sudden, identifiable, unexpected and accidental incident which happens during the period of insurance.
8. Recovery of seized vehicles
We will not cover use to secure the release of a motor car, other than your car, which has been seized by or on behalf of, any government or public authority.
9. Construction and use
We will not cover any accident, injury, loss or damage that happens while Your Van is being:
- used to carry passengers or goods in a way likely to affect the safe driving and control of the vehicle;
- used for carrying dangerous loads;
10. Hazardous Goods
We will not cover any loss or damage to property or any direct or indirect loss, expense or liability caused or contributed to by carrying any hazardous goods.
11. Hazardous locations
We will not cover any damage or liability caused by using Your Van in a hazardous location.