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Coronavirus update Last updated 9th July 16:00

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In line with guidance from the Government and to help look after our colleagues, most of our team are now working from home and are taking calls. However, waiting times are longer than normal and the quality of the call may not be as clear as if we were talking to you from our call centre. We're committed to supporting you in the best way we can and will be here throughout to keep you updated so make sure to check back regularly.

At this time, please help us to prioritise essential calls by using our online services.

  • If you're a car customer you can use MyAccount or the app to make policy changes or payments, including changing your payment date, checking your documents or to report or track a claim (MyAccount only).
  • If you're a home, bike or van customer, you can make policy changes or requests using our online forms.

If you do phone, we may only be able to deal with your query if:

  • Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or
  • You are worried about making future payments, or
  • You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, or
  • You need to make a claim and your vehicle is un-driveable or if you need urgent roadside assistance.

For all other queries, including buying a new policy, please first read our Coronavirus FAQs for the latest advice and help to use our online services.

Our opening hours have changed to: Monday to Friday 9am-6pm and Saturday 10am-2pm.

Read our Coronavirus FAQs

Hastings Direct.
i

Coronavirus update Last updated 9th July 16:00

Show more

  • We hope you and those close to you are keeping safe. Our teams are now working from home so we're very sorry if you notice the sound quality isn't as good as usual or you experience periods of silence. We're working hard on improving this so please bear with us.
  • Please help us prioritise urgent calls by only phoning us if you want to discuss your renewal or you're thinking of cancelling your insurance, or you're in financial difficulties and you're worried about payments, or you're an NHS or frontline healthcare worker.
  • For anything else, you can now manage your policy online. For latest advice and help to use our online tools, read our Coronavirus FAQs.

In line with guidance from the Government and to help look after our colleagues, most of our team are now working from home and are taking calls. However, waiting times are longer than normal and the quality of the call may not be as clear as if we were talking to you from our call centre. We're committed to supporting you in the best way we can and will be here throughout to keep you updated so make sure to check back regularly.

At this time, please help us to prioritise essential calls by using our online services.

  • If you're a car customer you can use MyAccount or the app to make policy changes or payments, including changing your payment date, checking your documents or to report or track a claim (MyAccount only).
  • If you're a home, bike or van customer, you can make policy changes or requests using our online forms.

If you do phone, we may only be able to deal with your query if:

  • Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or
  • You are worried about making future payments, or
  • You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, or
  • You need to make a claim and your vehicle is un-driveable or if you need urgent roadside assistance.

For all other queries, including buying a new policy, please first read our Coronavirus FAQs for the latest advice and help to use our online services.

Our opening hours have changed to: Monday to Friday 9am-6pm and Saturday 10am-2pm.

Read our Coronavirus FAQs

Private or business van insurance — which do you need?

Whether you use your van for commuting to work, the odd camping trip or to deliver goods for your business, you need to make sure you have the right level of insurance cover. Your policy needs to accurately reflect the way in which you use your van. If it doesn't, you could run into problems in the event of a claim.

So, do you need private or business van insurance? The answer might not be as straightforward as you think. Many van owners think if they have a job that doesn't require the use of a van then private insurance is the way to go. But this isn't always necessarily the case.

Private van insurance

Private van insurance would be suitable if you use your vehicle purely for social, leisure and domestic purposes such as doing the weekly food shop, driving to the coast for a weekend away or transporting your surf gear. Essentially, anything that's not considered to be work related. One of the grey areas in the world of van insurance is that even driving to a single place of work on a regular basis is considered to be a business activity. If you use your van for the daily commute, you will need business cover because private won't be enough.

Business van insurance

Business van insurance is the best bet if you use your van for any purpose that's related to work, including part-time jobs. Even if you're a part time DJ or window washer, using your van to transport equipment or tools on a regular basis, it pays to purchase business insurance to make sure you're properly covered.

Another area that confuses van owners is whether using their vehicle to sell at car boot sales is classed as a leisure activity or a business activity. If you go to car boot sales occasionally and otherwise simply use the van for private use, private insurance should be fine as it could be argued this is a social activity. But if you're a regular trader at these events, consider purchasing business insurance as this could be deemed as business use. If in doubt, check with your insurer.

Classic van enthusiasts can count their interest as a leisure activity as this hobby isn't considered to be a form of commercial use. But it's worth investing in specialist insurance if you own a vintage or classic van so you get a guaranteed value policy that's in line with the worth of the model.

Business insurance explained

If you need to purchase business insurance for your van, you'll need to choose a policy from one of these three main categories:

Carriage of own goods

If your van falls mostly under the umbrella of private use but you use it to commute to work, you will need to purchase a business policy in the classification of Carriage of Own Goods. This will cover you if you have an accident during your commute as well as if you decide to visit another place of work or head out on a work related visit.

Carriage of Own Goods cover is self-explanatory, it covers the personal belongings you're carrying with you. This policy will suit a shopkeeper, carpenter, builder or plumber, anyone who needs their personal items or the tools of their trade covered.

Carry Goods for Hire or Reward

If you use your van to make deliveries, Carry Goods for Hire or Reward could be suitable for you. This type of cover suits drivers who intend to make multiple deliveries throughout the day at varying times and to a range of different locations. You'll need this cover if you're carrying other people's goods in return for a fee. If you're in this line of work, it's a legal requirement to cover yourself with Hire or Reward insurance. You will face legal penalties if you don't comply and are caught. This type of policy could suit a courier, taxi driver or furniture remover.

Haulage

In the same vein as Carry Goods for Hire or Reward, Haulage cover is also for those who make deliveries for a living and transport other people's goods. But the difference is that haulage companies deal with the same clients on a regular basis, transporting goods on a regular basis, at set times of the day. Consequently, haulage companies can tell the insurance company exactly what sort of goods they will be collecting and delivering, unlike regular couriers who could be handling all manner of different items at short notice.

Still not sure if you need private or business van insurance? The Hastings Direct team can help, why not give us a call today on 0333 321 9682?

Van insurance

Protect your van with flexible insurance options including breakdown cover and legal protection, so if things go wrong you can get back to work as soon as possible.

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