Van insurance - Your cover

• What is no claims discount protection?

  No claims discount protection is an optional extra you can choose on your Car or Van Insurance for an extra cost.

  It means you can rest easy knowing you can make one claim on your insurance policy without it affecting your no claims discount.

  You must have earned a maximum no claims discount to add this cover and it can only be added at the start of a new policy, or when you are renewing your current AXA policy.

  Terms and conditions apply.

  Visit our Car Insurance or Van Insurance pages for more information.

• Am I covered if my van breaks down?

  If you have Motor Rescue cover on your Van Insurance, you're covered for breakdown or roadside assistance.

  Motor Rescue is an optional extra you can choose to add to your Van Insurance for an extra cost. Your policy schedule will show if you have Motor Rescue.

  Our Motor Rescue provides you with 24-hour breakdown assistance anywhere in Ireland. It covers you for breakdowns, engine failure, loss of keys, and wheel punctures, along with much more.

  If your van can't be repaired on the same day, we can help with completing your journey, helping to ease the stress of the situation as much as possible for you.

  Terms and conditions apply. For more information on Motor Rescue and the many benefits it contains, see your policy booklet.

  For motor rescue assistance you can contact our 24-hour rescue team on 0818 7 365 24.

• What is protected no claims discount on my Van Insurance policy?

  No claims discount protection is an optional extra which you can choose to add to your Van Insurance for an additional cost.

  When you choose protected no claims discount, you can have one claim within a three year period without it affecting your no claims discount.

  Terms and conditions apply. To fully understand how a no claims discount protection works, see your policy booklet.

• Do I need to specify if I am using my van for business?

  As part of the quote process for your Van Insurance policy, we will request details in relation to occupation and vehicle usage.

  If you would like more information on our Van Insurance policies, you can contact us on 0818 7 365 24 or you can visit your local branch.

• Does AXA Van Insurance cover all vans types?

  Our van insurance covers most vans with a carrying capacity of up to 2 tonnes. We can provide insurance cover for occupations including; farmers, builders and sole traders and many more.

  Get a quote for your Van Insurance today or contact our dedicated van insurance team on 0818 7 365 24.

• Is windscreen cover included on my Van Insurance policy?

  Having windscreen cover is important, particularly if you are a commercial van driver. We offer two alternative packages which allow you to make sure that your windscreen is fully protected in the event of any incidents.

  Standard package:

  You can choose glass breakage cover (covers windscreen and windows but excludes sunroof) for an additional cost.

  Premier package

  Includes damage to windscreens or windows up to €300 (when you buy comprehensive cover as standard). You can choose to increase this limit up to €750 for an additional cost.

  Our Glass Breakage covers all windows in your van and damage to your van’s body work caused by the broken glass. For more information on the details of your windscreen cover see your policy documents.

• Am I covered if personal belongings are stolen from my van?

  Personal belongings cover is included in our extra benefits package which you can add to your Van Insurance policy for an additional cost.

  Your policy schedule will show if you have this cover.

  If you have extra benefits cover and have personal belongings stolen from your van during a theft, we'll pay up to €250. These claims won’t impact your no claims bonus. It is important to note that there are some belongings, such as money and tools, that will not be covered under your van insurance policy if stolen.

  For full terms and conditions and to understand what is protected under your van insurance policy, refer to your policy booklet.

  See [What does Extra Benefits cover me for on my Van Insurance?]

• What is an excess?

  An excess is the first part of a claim that you will have to pay.

  For example, if you have an excess of €100 and make a claim worth €1,000, we will pay €900 of the claim settlement amount and you'll be asked to pay the €100 excess amount.

  Your excess amount is noted on your policy schedule.

  Car and Home Insurance customers can view their policy schedule in their MyAXA account.

  To register for MyAXA you'll need your policy number, date of birth and email address.

• Are there different Van Insurance packages I can choose from?

  There are two packages you can choose from for your Van Insurance:

  Standard Van Insurance

  Our most basic van insurance policy. This van insurance policy includes unlimited cover for injury to other people (pedestrians, passengers and other drivers), up to €5 million protection for damage to other people’s property, emergency medical treatment, and up to 50% no claims bonus.

  Premier Van Insurance

  This package offers all that is included with our standard van insurance, whilst also offering glass breakage, bonus protection for fire and theft which will not affect your no claims discount, along with a reduced accidental damage excess and more.

  Read more about our Van Insurance.

• What does Extra Benefits cover me for on my Van Insurance?

  Extra Benefits cover is a separate and optional cover you can choose to add to your Van Insurance for an additional cost. Your policy schedule will show if you have this cover.

  With Extra Benefits you will have cover for:

  Replacement Vehicle

  If your van is out of use due to an accident or fire or theft, we'll provide you with a replacement vehicle while yours is being repaired, or pay up to €40 per day towards a replacement vehicle for up to 7 days.

  Personal Belongings

  We'll pay up to €250 for personal belongings carried in your vehicle if they're lost or damaged in an accident, fire, theft or attempted theft.

  Replacement Locks

  We will pay up to €750 towards replacing the locks and alarms for van, if your keys for it are stolen from your home.

  Fire-brigade Charges

  We'll pay up to €1,270 in Fire-brigade charges for putting out a fire in your van, or for removing the driver or passengers from your van using cutting equipment.

  Terms and conditions apply.

  You'll find more information on Extra Benefits cover in your policy booklet.

• What Van Insurance cover does AXA offer?

  With our Van Insurance policies, you can choose from 3 levels of cover;

  • Comprehensive
  • Third Party Fire & Theft
  • Third Party Only

  Our commercial van insurance is designed to keep you and your van on the road. So you can get on with business as usual.

  Read more about our Van Insurance cover.

• What does glass breakage or windscreen cover provide on my Van Insurance?

  Glass breakage (or windscreen) cover means we will pay the cost of repairing or replacing cracked, broken or damaged windscreens or windows in your van. We'll also cover any scratches to the body work of your van as a result of broken glass.

  Your policy schedule will show if you have this cover.

  If you have glass breakage cover and wish to make a claim, you can complete our claims form or call us on 0818 7 365 24.

  Terms & Conditions apply. All claims must be verified prior to any repair/replacement work being undertaken. Glass claims won't affect your no claims discount.

  You'll find more information on glass breakage cover in your policy booklet.

• If I have a breakdown in Northern Ireland, am I covered on my van insurance?

  Experiencing a breakdown can be stressful, particularly when you are outside of your normal working area or far away from home. If you have motor rescue cover on your van insurance, you’re covered for breakdown or roadside assistance in Northern Ireland, just like you would be in the Republic of Ireland.

  At an additional cost you can get Motor Rescue added to your policy, which provides you with 24-hour breakdown assistance anywhere in Ireland. This means that if you choose to add Motor Rescue to your new van insurance policy, and have a breakdown in Northern Ireland, you can call us on 1890 25 7 365 or 00353 906 486 353 from outside of the Republic of Ireland, and we’ll arrange for an AXA approved technician to help.

  See: Am I covered if my van breaks down?

  You’ll find more information about Motor Rescue in your policy booklet.

• What is Third Party, Fire and Theft cover?

  Third party, Fire and Theft is a level of cover you can choose on your motor insurance.

  With Third Party, Fire and Theft, we cover you against damage caused to your car by fire, theft or attempted theft. It includes your legal liability to others; up to €30 million for property damage and unlimited liability cover for injury to others.

  Third Party Fire and Theft doesn't cover accidental damage caused to your vehicle.

  Your policy documents will show the level of cover you have on your car insurance. You'll find these in your MyAXA account.

  You’ll find more information about Third Party, Fire and Theft cover in your policy booklet.

• Can I cover a van and a car on one policy?

  A common question by those who own both a van and a car, is if they can insure both their car and van on one policy. Unfortunately, because these are different types of vehicles which each carry different risks, they can’t be insured under one policy. However, when you choose to take out a van insurance policy with us, we offer discounts if you already have a car insurance policy in your name.

• Am I covered if I leave my keys in my car or van, and it is stolen?

  Unfortunately, loss or damage caused by theft or attempted theft is not covered if the keys (or keyless entry system) are left unsecured or left in or, on an unattended vehicle.

  You should never leave your vehicle unattended with the keys in or around the vehicle.

  You’ll find more details in your policy document.

  Terms and conditions apply.

• Does my van insurance cover me in Northern Ireland too?

  Our Van Insurance not only covers you within the Republic of Ireland, but also across the entire UK, including Northern Ireland. This means that the very same policy that covers you here within the Republic, will continue to cover you when you travel to Northern Ireland, giving you peace of mind on your journey.

  Check your policy schedule for details of cover.

  You’ll find more information in your policy booklet.