Direct Line van insurance review

Digby Bodenham By Digby Bodenham

Key policy benefits

  • Comprehensive policy includes tool cover up to £500 and windscreen cover
  • Breakdown, replacement vehicle and no claims bonus protection add-ons
  • Separate commercial and private van policies


Direct Line offers a range of insurance products, including home, car and pet. It does not list its policies on price comparison sites but often offer deals and discounts on its website.

Its van insurance falls under its Direct Line for Business arm and it offers separate commercial and private van cover.

Get a quote for your van on Direct Line’s website.

Overview of Direct Line’s van policies

If you own a van and use it for business, you’ll need Direct Line’s commercial cover. Its private policy is for people using a van for hobbies or leisure purposes, for example, transporting instruments and musical equipment.

Budding Mozarts or McCartneys can find out more information about musical instrument insurance here.

Find out about more about what the policies cover on their site, where you can also find the direct line van insurance phone number if you need help with your quote.

There are two options for van cover: comprehensive and third party fire and theft.

Comprehensive cover includes:

  • Tool cover – up to £500
  • Windscreen damage
  • Personal accident cover
  • Personal belongings
  • New vehicle replacement
  • In-car equipment

The optional paid-for extras are:

  • Protected no claim discount
  • Breakdown cover
  • Replacement vehicle
  • Motor legal protection

Direct Line offers a number of discounts to keep costs down. Along with no claims discounts there are reduced rates for multi-vehicle insurance and breakdown cover.

Drivers can also earn a discount using Direct Line’s DrivePlus Van app. It monitors the van owner's driving style and gives them a score out of 100 based on factors such as speed, braking and acceleration. After 300 miles of using the app it will generate a discount code based on the accumulative score. If a driver has a low score they will not be penalised.

Find out which companies offer the best van insurance policies.

What does Direct Line van insurance cost?

The cost of your policy will depend on a number of factors including the model and size of your van, where you live and how old you are.

Van insurance for young drivers is likely to be expensive.

Direct Line says that 10% of new customers pay £180 a year or less for commercial van insurance. For private vans, 10% pay £169 a year or less.

You can get a tailored quote online.

What do customers say about Direct Line’s van cover?

On the review site Reevoo, Direct Line’s van insurance has an average score of 9.1 out of 10 from 234 reviews.

Many customers say they are happy with the price and ease of use of the website.

What do the experts say about Direct line van insurance?

Independent financial researcher Defaqto has rated Direct Line’s van policy as 5 Star.

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 5 Star rated policy has “an excellent product with a comprehensive range of features and benefits”.

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