Direct Line Van Insurance: Legal Protection

If you have a road traffic accident involving your van that is not your fault, you have a right to be able to claim back your uninsured losses from the driver responsible.
The hourly rate for a qualified solicitor or legal executive’s costs is likely to be in excess of £100. For less then £1.75 per month, our legal protection cover will provide up to £100,000 of legal costs to help you to recover losses that cannot be claimed from any insurance policy.

(Information taken from the 2005 Guide to the Summary Assessment of Costs. Source: www.courtservice.gov.uk)

Examples may include:

Compensation for death or injury
Your van insurance excess under your comprehensive policy
Accident repair costs if you do not have comprehensive cover
Damage to your clothes, luggage or personal belongings if you do not have comprehensive cover
Hire van costs
Loss of earnings
This cover also provides protection for any one else authorised to drive or use the van and for any authorised passengers.
The solicitor acting for you will handle all aspects of your claim such as locating a specialist (i.e. a medical expert) should this be necessary as a result of injury resulting from the accident. The specialist charges will be met by this legal protection policy.
The appointed solicitor is regulated by the Law Society and, should you choose to appoint one of our solicitor’s, they will also have to operate under our own high service level protocols – ensuring that you receive the professional legal service you would expect.
All in all providing you with peace of mind and a hassle free solution when you need it most

Our uninsured driver promise

If you make a claim for an accident that is not your fault and the driver of the vehicle that hits you is not insured, you will not lose your no claims discount or have to pay any excess.

Conditions

We will need: the vehicle registration number and the make and model of the vehicle; and the driver's details, if possible. It also helps us to confirm who is at fault if you can get the names and addresses of any independent witnesses, if available. When you claim, you may have to pay your excess. Also, if when your renewal is due investigations are still ongoing, you may lose your no-claim discount temporarily. However, once we confirm that the accident was the fault of the uninsured driver, we will repay your excess, restore your no claims discount and refund any extra premium you have paid. This promise is for comprehensive policyholders only.

Link to previous articles : Direct Line Van Insurance: New improved Van Insurance Direct Line Van Insurance: Types of cover Direct Line Home Insurance: Legal problems & your rights Direct Line Home Insurance: Family legal protection Direct line Home Insurance Claims FAQ Direct Line Home Insurance: Insurance claim Direct Line Home Insurance: Summary of cover

Direct Line Van Insurance: New improved Van Insurance

Good news for motorists– Direct Line has just announced our new and improved van insurance

Direct Line offers a range of discounts and product innovations that are aimed at achieving one thing – bringing down the cost of van insurance. Read on to find out about the exciting savings…

Named Driver No Claims Discount
Matched No Claims Discount
Multi-van Discount
Breakdown Multi-van Discount

It’s all a fantastic reward for safer driving...

NAMED DRIVER NCD (No Claims Discount)

Direct Line is the first major insurance company in the UK that recognises named drivers’ No Claims history

If you have named drivers on your Direct Line van insurance policy, you (and they) will be pleased to know that we have become the first major insurance company in the UK to offer Named Driver No Claims Discounts.

This means that when we provide your named drivers with a quote for Direct Line van insurance, we’ll recognise every year they haven’t made a claim on your policy.
Taking advantage of this deal couldn’t be easier. Your named drivers’ no claims histories are automatically stored on our system, so when they come to apply for their own policy with us they simply need to give us your details online or on the phone and we can identify them immediately, at which point they will be able to receive up to 5 years' No Claims Discount.

MATCHED NCD (No Claims Discount)

Use your No Claims Discount on your second van

If you are the only person insured on your Direct Line van insurance policy and you purchase a second van that will only be driven by you, we will match your No Claim Discount on the policy for your new vehicle.

MULTI-VAN DISCOUNT

Insure both your vans for less with Direct Line

We don’t want to hit you in the pocket just because you own more than one van. In fact, we are dedicated to doing the exact opposite - saving you money with the new Multi-van Discount.

As part of Direct Line’s new improved van insurance deal, we’re offering a 10% discount on new policies taken out on any additional vans by named drivers or members of your household. This means that, as long as you can identify the existing Direct Line policy in your household or the policy on which you are a named driver, we will discount your premium by 10% - it’s that simple.

BREAKDOWN MULTI-VEHICLE DISCOUNT Multi-van discounts on your breakdown cover Customers who insure more than one van with Direct Line can also save money on their breakdown cover. Our Breakdown Multi-Van Discount offers a fantastic 35% saving off our top two levels of cover.

Link to previous articles : Direct Line Van Insurance: Types of cover Direct Line Home Insurance: Legal problems & your rights Direct Line Home Insurance: Family legal protection Direct line Home Insurance Claims FAQ Direct Line Home Insurance: Insurance claim

Direct Line Van Insurance: Types of cover

1. Third Party Fire & Theft (TPF&T)

This covers you if other people claim against you for injury or damage to their vehicle or property, and if your van is stolen or damaged by fire.

2. Comprehensive

As Third Party Fire and Theft plus accidental damage cover to your van plus cover for personal belongings, medical expenses and personal accident cover. Subject to selected levels of cover.

3. Third Party Only (TPO)

• Covers liability to third parties i.e. claims made by third parties, against you, for bodily injury or damage to their property. Please call us for details.

And that's not all: • Accident Action Pack – what to do if you have an accident • 24 Hour Accident Helpline – expert help and advice at any time • 24 Hour Windscreen Helpline if your windscreen is damaged • Windscreen Repair for damaged windscreens (Comprehensive only) • Legal Protection (optional) - to recover your uninsured losses

Link to previous articles: Direct Line Home Insurance :Home Security Direct Line Home Insurance: Legal problems & your rights Direct Line Home Insurance: Family legal protection Direct line Home Insurance Claims FAQ Direct Line Home Insurance: Insurance claim