Buy Van Gap Insurance Online
Do you want to buy Van Gap Insurance for your commercial vehicle or LCV?
Or if you prefer why not call us on our free phone number 0800 195 4926 where we will be only to happy to answer all your van gap insurance questions. We only ever use plain English with no jargon. Our aim is simple we want you to be able to understand the various levels of van gap insurance cover available so that you can make an informed choice before you buy.
Buy Van Gap Insurance
Unlike many sources of Van Gap Insurance, we do not have a 'dedicated' Van Gap Insurance cover, and therefore do not charge you a higher premium for the privilege.
Some insurers see commercial vehicles as a higher risk and charge higher policy prices, at EasyGap.co.uk, the premiums are the same for your van as for the equivalent car or motorbike. So long as your Van is listed in Glass's Guide and is 3500 kg or under we may 
be able to help.
For your peace of mind
All of our Van - LCV gap insurance are underwritten by Ageas UKAll of our van gap insurance polices are fully FSA Regulated our FSA number is 541186All of our van gap insurance polices are backed by the financial services compensation scheme.
So please remember at EasyGap Cheap / Low cost van gap insurance does not mean a dilution of cover, security , peace of mind or back up it just means better value for money !
In fact we are so confident in our customer service standards and prices of our van gap insurance that in the very unlikely event that you find a cheaper quotation we guarantee to beat it.
At EasyGap we have noticed an increased interest in Van Gap Insurance, with consideration given by owners as to the potential depreciation of vehicles, and the potential financial implications if there van was written off. After all these type of vehicles tend to be an essential part of any business. Also, they tend to cover high mileage, and so depreciation is always a factor with commercial vehicles.
Traditionally, 'Gap Insurance' was added to contract hire agreements for commercial vehicles. This was a form of Finance Gap, which was usually added to the monthly rentals. However by sourcing your Finance Gap independently, you can reduce your monthly rentals significantly.
Depending upon how you purchased you van you may consider other forms of van gap insurance one size does not fit all!
So if you are looking for Contract Hire Van Gap Insurance, or Finance Van Gap Insurance from EasyGap.co.uk may be just what you need. This type of cover can cover the difference between your van's value at write off and the outstanding finance settlement. This could mean any shortfall including outstanding rentals on a contract hire agreement. We can provide cover for up to 5 years, and can easily be set up online, via our secure system. You can also set it up over the phone by calling customer services on 0800 195 4926.
Remember some leasing companies can charge up to 90% of the outstanding rentals so this means that you could be left having to pay thousands of pounds.
Options for Van Gap Insurance
If you have bought a van on hire purchase, or paid outright, then other options such as
- Van Return to Invoice gap insurance,
- Van Combination Return to Invoice gap Insurance
- Van Vehicle Replacement Gap Insurance
As with all types of cover, there are some exclusions you should be aware of so please take a look through the policy keyfacts, or if you still have any queries, please contact our team via our contact page and explore your Van Gap insurance options.
At present we can offer van gap insurance for vans from many manufacturers up to 3,500KG including the following as well as more specialist vehicles. Why not click or call as see EasyGap can help?
Van Gap insurance is
a supplementry insurance that runs along side your own fully comprehensive insurance and protects you when you van is written off. The average van can loose up to 50 5 of its orginal value within the first 3 years alone and a lot more depending upon your mileage of how you are going to use it. For example a three year old builders van with 150,000 miles on the clock would naturally be worth a lot less than a florists van who only has 30,000 on the clock.Dont forget that your own insurance company is only lible to pay you what your van is worth on the day it was written off. This can and often is thousands and thousands of pounds less than you orginally paid and without any form of van gap insurance this is the only amount that you would have to replace your van or clear any outstanding finance.
Van Gap insurance can help in fact depending upon which level of cover you choose you can protect your self against your vans valuation on simply the amount outstanding on finance. the orginal invoice price you praid or even the replacement cost.
So why not explore your van gap insurance options or call and speak to a member of the team on 0800 195 4926.
What can Return to invoice gap insurance do to help protect your van?While no insurance can ever stop your van from being written off it can help you financially when it does.
Return to invoice is a very simply form of gap insurance to understand, essentially if your van is written off it pays the difference between your vans valuation on the day of loss and the original invoice price you paid.( less your road tax which you could claim back from DVLA)For illustration purposes lets say that you have just bought the Nations favourite a Ford Transit. It is one year old and you manage to grab a bargain at £13500 & vat.
Two and a half years later your van is involved in an accident. It is no-ones fault and most importantly no-one is hurt. That said your insurance company decide to write the van off and duly pay you the valuation of your van which after two and a half years and 58,000 miles is now just £6550 & vat.
With out any form of gap insurance this is the only amount that you would have to be able to replace your van without using a cash injection from you. Worse still if you like most of us today you had to use a form of finance to buy your van this would be the only amount that you have to clear any finance.
This is exactly where return to invoice van gap insurance can help.
In this example you would still receive payment from your own insurance company for the £6550
However now you would receive a second payment from your van gap insurance policy for £6950
You would also be paid a £250 contribution towards your own motor insurance excess.
In essence you would now have the full purchase price back which you could use to buy another van or if you paid finance you could clear the outstanding settlement and the rest, the equity you have is yours to do with as you see fit.
So why not click or call a member of the team and discuss your van gap insurance options.
What can Vehicle replacement do for your van? Vehicle replacement insurance is very similar to return to invoice in that you are protecting a physical amount. With return to invoice gap insurance this is the physical amount of money you paid for you van and is shown on your invoice. ( don't forget if you have already claimed the VAT element back this will be deducted from any settlement. )The problem is that over time prices tend to increase. Transportation, labour, manufacturing costs all mean that getting your money back is no guarantee of being able to get the same type of van again.
This is where vehicle replacement wins hands down in that it not only pays the difference between your vans valuation on the day it is written off and the invoice price but instead pays to the replacement cost.
The replacement cost is based on alike for like van the same age mileage and condition as yours was on the day you collected from it dealership. Id that model is no longer available settlement would be based on the superseding model.
As you know we pride ourselves on our policy terms so there are two very important differences between our vehicle replacement policies and the majority you can find else where.
Our van gap insurance will never source you a van instead you are always paid the cash equivalent. you may want the same van again buy you may not and we think that it is really important that you chose how, when and what to spend your money on.
If you have bought a pre-registered van within 90 days of it being registered and the garage was the first registered keeper settlement would be based not on the price of a pre reg van but a brand new model.
So why not click or call a member of the team on 0800 195 4926 and speak to a member of the Van gap insurance team.
What Can Van Contract Hire Gap Insurance do for you?
We know that buying a van can be an expensive investment and it is no surprise the contract hire is now a very popular way of funding. The low commitment, low initial deposit / advanced payment can make it an ideal option. Effectively you are renting the van for a set period of time which is coincidentally normally the best years of your vans lifetime and then simply handing it back before it comes out of warranty or expensive maintenance and repair bills start to arrive.
So if you never own the van why should you be worried about if it is written off?
Well you may or may not be aware that if your van is written off your own insurance company will naturally settle, however this settlement can and often is thousands and thousands of pounds less than your finance companies settlement.
Don't forget that just because your van is written off it does not mean the end of your contract hire agreement. Instead you contract hire company can ask for a contribution of outstanding rentals/ settlement.
For example you have just bought a new Citroen Dispatch 1.6 HDi Enterprise. You have paid three payments in advance and have three year contract of £189.99 & vat per month
18 months later your van is written off and your motor insurance agree to settle with your contract hire company. They therefore send your contract hire company the value of your van on the day it was written off.
Your contract hire company then send you an invoice for settlement of £3077.83 & vat.
Unfair? Well no don't forget that your rentals where based not only on what you where paying each month but also on how much your contract hire company thought that they would be able to dispose of your van for at the end of the contract. This means that however your contract hire company want to term it they are within their rights to ask for a contribution towards your outstanding rentals/ settlement.
You are now in the unenviable position of having no van, and instead having a large invoice to settle.
This is exactly where contract hire gap insurance can help, in that it would simply pay the difference between your vans valuation on the day it is written off and clear your outstanding financial liability.
While no insurance can ever ensure that your van is never written off at least with a Easy Gap Contract Hire Gap Insurance should the worse happen the financial worry is taken away.
With van gap insurance from as little as £39.00 inclusive of insurance premium tax ( IPT) per year can you afford to take the risk and not protect yourself.
We would always want all of our many happy customers and Website visitors to be able to exp
lore their Van Gap insurance options and compare levels of cover so that they can make real informed choices.
So please feel free to browse our Website or call a member of the team on 0800 195 4926. Our lines our open Monday to Friday 9am-7pm and Saturday 10am - 4pm.
No matter if you want to buy gap insurance for your company car, your business van or your motor home or motor bike we are here to help every step of the way from the purchase of your policy to claim we are only ever a click or a call away.
