Van Features and Benefits

Van drivers, we’ll help you make a move. When you sign up for van insurance, it should feel like your insurance company will always have your back...

At Liberty Insurance, we pride ourselves on being there for our customers. We combine over 100 years of global experience with local expertise to offer security & great value van insurance

Step back no claims protection

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If you have earned 4 or more years no claims bonus, have peace of mind in knowing that one claim will not mean you need to start again. If you haven't opted for full bonus protection, you will keep part of your discount if you have 4 or more years built up.

5+ years steps back to 2 years discount
4 years steps back to 1 year discount

If a second claim is made in the same insurance year, or if you have less than 4 years discount built up, the no claims discount will step back to 0 years.
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European cover

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As well as providing cover in the territorial limits, we will also provide the minimum cover you need by law to use your vehicle in any country, which is a member of the European Union, and any other country which has made arrangements to meet the requirements of the Commission of European Union.

For full details, terms and conditions, please refer to the policy booklet, which can be downloaded below.
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Audio cover

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For loss of or damage to radio-receiving or transmitting equipment, audio equipment, electronic navigation or radar detection equipment permanently fixed to the vehicle, the most we will pay is:
a) 5% of the value of the vehicle before the accident happened; or
b) €635; whichever is lower.
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Protected no claims discount

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You can pay an extra premium for a protected no-claims bonus extension once you have earned a no-claims bonus of four years or more. You will keep that no claims bonus as long as no more than one claim arises during the period of insurance for which the extra premium applies.
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Windscreen cover (less windscreen replacement excess)

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Windscreen repair and replacement* cover is included on all comprehensive polices with a gross vehicle weight of 3.5T or less. The cover is also offered as an optional extra on third party fire and theft policies via our contact centre. We will pay the cost of repairing or replacing (less the excess) damaged or broken glass in the windscreen or windows of the vehicle

a) as long as there has not been any other damage loss or damage.
b) the gross vehicle weight of the vehicle is less than 3.5 tonne and or/carrying capacity is less than 2 tonne.

Claims under this section will not affect your no-claims bonus.

We will not pay for.

1. Any amount over €150 (less the excess) for replacement or €50 for repair work if the work is not carried out by our approved windscreen specialists.
2. Any more than two claims per vehicle under this section during the period of insurance.
3. Damaged or broken glass in sunroofs, canopies, panoramic roofs or panoramic windscreen or any bespoke glass fittings.
4. Damaged or broken glass to vehicles that are temporarily covered.
5. Damage caused by wear and tear or negligence.

For the full list of terms and conditions, please refer to the Car Insurance Policy booklet, which can be downloaded below.

[*] Windscreen Replacement Excess applies should your windscreen be deemed unrepairable by the glass technician. You pay the first amount as outlined in your policy schedule and we pay the rest.
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Monthly payment plan

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Our flexible payment plan enables you to spread the cost of your insurance via monthly instalments. Choose to pay via cash, cheque, direct debit, credit or debit card.
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Loss of keys cover

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We will provide cover if the vehicle keys or lock transmitter are lost or stolen, we will cover the cost of:
a. the door and boot locks;
b. the ignition and steering lock; and
c. the lock transmitter;
The most we will pay under the above is €850.
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Personal Accident

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We will pay you (the policyholder) or your legal representative €6,500 if you are accidentally injured while travelling in or getting into or out of the vehicle and within the following three months this injury alone results in:
a. death;
b. permanent loss of sight in one or both eyes; or
c. loss of one or more limbs.
The most we will pay in any one period of insurance is €6,500.
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Medical expenses

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We will pay for medical expenses up to €135 for each person injured if the vehicle is involved in an accident as long as there is no cover in force under another motor insurance policy.
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Specified trailer cover

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We can provide cover for loss or damage to any trailer once same is specified in the policy schedule, the most we will pay for the loss or damage will be the market value of the trailer immediately before the loss or damage happened, however we will not pay more than the value of the trailer as shown in the schedule.

For full details, terms and conditions, please refer to the policy booklet, which can be downloaded below.
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Unspecified Trailer cover

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We will extend the cover to indemnify the insured from liability arising out of the use of any trailer attached to the insured vehicle or while detached.

For full details, terms and conditions, please refer to the policy booklet, which can be downloaded below.
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Fire Brigade charges

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We will pay for local-authority charges (in line with the Fire Services Act 1981) for putting out a fire in your vehicle if the fire gives rise to a valid claim under the policy, or for removing the driver or passengers from your vehicle using cutting equipment. The most we will pay is €2,200.
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Terms and conditions

All van insurance benefits are subject to the terms and conditions of the policy

Normal underwriting rules and acceptance criteria apply. We reserve the right to refuse insurance cover.