Hastings Direct — Car, Van, Bike & Home Insurance

How to make a van insurance claim

When you depend on your van to keep your business ticking along, you can't afford for anything to go wrong.

But accidents do happen, even if you're a safe and responsible driver. Whether you have a minor bump or are involved in something more serious, below is some advice on what to do.

Our claims line is open 24 hours a day, seven days a week on 0333 321 9800.

Van insurance

If you use your van for business purposes, you'll have taken out a commercial insurance policy, choosing from third party; third party, fire & theft; or comprehensive cover. But there are also some other types of insurance to be aware of.

Haulage and courier insurance

Do you use your van to transport other people's goods? If so, you need to take out specific insurance.

It's called 'carriage of goods for hire or reward' cover, and it's split into two categories: haulage and courier. Haulage insurance is needed when you make a couple of deliveries a day, usually ordered through regular contracts. Courier cover, on the other hand, includes multiple daily drop-offs to various addresses.

If you're unsure which type of cover you need, talk to your insurer. Taking out the wrong insurance could invalidate a future claim.

What to do if you're involved in an accident

  1. Check that no-one has been seriously hurt in the accident. If you or someone else is badly injured, call an ambulance straight away.
  2. Switch on your hazard lights to warn others of the incident, and call the police if any of the vehicles are causing an obstruction.
  3. If any goods, tools or equipment have spilled over the road, don't try and clear the mess yourself. The police or Highways Agency should arrange for it to be cleared, with the cost being covered by an insurer.
  4. Don't admit responsibility to the other driver(s) or offer to pay for damages, as this could invalidate your claim.
  5. Gather details from the other driver(s) involved, including their name, address, phone number, and vehicle registration number.
  6. Ask for the contact details of anyone who witnessed the incident.
  7. Write down a description of the accident including the time, date, exact location, weather conditions, and the approximate speed all vehicles were travelling.
  8. Sketch the scene of the accident, to show where vehicles, people and witnesses were positioned when the collision occurred.
  9. If you have a camera, take pictures of the scene of the accident, including close ups of any damage to your van.

If your van is stolen

If your van is stolen, call the police immediately to report the crime. The police will give you a reference number, which you'll need when you make a claim.

Claiming through Hastings Direct

If you need to report a claim, call our helpline on 0333 321 9800 as soon as you can. To speed up the process, please have the following details to hand:

  • Your policy number
  • Time, date and location of the incident
  • Details of how the incident occurred (fire, theft, vandalism, etc.)
  • Names and addresses of the parties involved and their registration numbers.

We'll ask you to fill out a claim form and send us copies of all the documents and details you've gathered, including any photographs you took of the incident.

At this stage, you should tell us if any goods, tools or equipment were damaged in the accident, as we may need to consider them as part of your claim.

Make sure you send us any letter or other communication you receive from anyone else involved. You should also notify us of any prosecution, coroner's inquest or fatal accident inquiry occurring as a result of the accident.

If you've got any questions about your van insurance policy, our customer service teams are always happy to help. Give them a call 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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