Answers to your most common commercial insurance queries.
Every year, our team of insurance specialists engages with countless drivers seeking van insurance in Ireland. From these interactions, common questions consistently arise, forming a comprehensive list of inquiries frequently posed by drivers shopping for insurance.
Here, we've compiled some of the most prevalent queries to provide clarity and insight into the van insurance landscape.
It is crucial to carefully review the terms and conditions of your policy to fully understand the level of bonus protection provisions on your policy.
Your annual insurance certificate and disc will be issued to you upon receipt of the requested documents as advised on the phone and outlined in the cover letter you received from us via email or by post.
For every complete year you are driving on your own policy without an accident or a claim, you are entitled to a year’s no claims discount. These discounts are then used to reduce your insurance premium. Usually, this is obtained at the renewal stage of your insurance policy and is issued with your renewal invitation pack.
As your insurer give a discount and reduce your insurance premium for having claims free driving, we need to see proof so that we can keep that discount in place.
Good news we can offer various options to clients who may wish to sell their private car and transfer their no claims discount earned to their new van insurance.
We can also provide discounted quotes to car clients who wish to keep their car and insure their van as a second vehicle.
Yes, we have agreements with insurers to allow this changeover. Please get in touch with us to discuss your requirements on 01 – 6606900.
Please note, if you do not use the designated provider cover will not be provided.
Some insurers allow you to pay for your policy by monthly direct debit or through our third party finance provider, Close Premium Finance. If you would like to pay for your policy monthly, we may ask you to complete a direct debit mandate. Please note that we can only accept the mandate by post or a very clear scan.
Below are the dates that each insurer collects their monthly payment:
It is imperative you contact Insuremyvan.ie or your insurance company if you have missed a payment as this could result with your van insurance policy being cancelled.
If you have missed a direct debit and wish to make payment, please call us on (01) 660 6900, select option 1 (Insuremyvan.ie) and then option 3 (Direct Debit).
Alternatively you can contact the following insurers to pay them directly:
If your policy includes Breakdown cover you must contact the designated provider, they can provide you with emergency assistance at the roadside in the unfortunate event that your car or van suffers a mechanical or electrical breakdown. Remember, it's important to remain with your vehicle while the repairs are being completed.
Click here if you are in need of breakdown assistance.
We know claims can be stressful at the best of times, so we aim to make the claims process as quick and easy as possible. You will find the contact numbers for the relevant insurance company’s claims team here. If you have been involved in an incident and are unsure what to do, just call us on 01 660 6900 and we’ll be happy to help.
To make a change to your existing van insurance policy please call us on 01 660 6900, select option 1 (Insuremyvan.ie) and then option 4 (All Other Queries).
The most common changes are listed below:
Please note: No cover will be in place for any alterations until confirmed by us.
The cancellation process is hassle free. Simply return your insurance certificate and disc to our office with a letter confirming you wish to cancel your policy.
If you wish to suspend your policy, just complete the same process and give us a call to reinstate your policy. Suspending your policy is a great alternative to cancelling a policy as it means you don’t need to start all over again but please note if you are paying on direct debit or through finance you must continue to pay your direct debits and should your policy be suspended for more than 30 days you will receive a rebate for this period from your insurer at renewal date.
Please note: Should there be a claim notified on your policy during the period of insurance there will be no refund premium following a cancellation or suspension request.
Open Drive gives you the freedom to let someone else drive your van on a day to day basis. You should always refer to your certificate of insurance (generally section 6) and to your policy schedule for the full terms and conditions. Please note some insurers restrict driving to certain licence types, age and driving history including penalty point. Open Drive will never cover you to drive another vehicle through your own policy.
Driving other commercial vehicles benefit allows the policyholder only to drive other people’s vans on an occasional basis. This is not to be used as a full-time option. There are very strict rules around this extension regarding cover, ownership and vehicle weight. Majority of van insurers DO NOT give this extension. Please refer to your certificate of insurance and your schedule to see if this cover is available. This does not extend to driving other people’s private cars.
Public Liability Insurance covers you if you are found legally responsible for bodily injury, death, disease, damages, expenses, or costs incurred by a member of the public, as well as for damage to their property. This protection applies to incidents that occur during the insured period and are connected to your business activities.
Employers’ Liability Insurance protects you if you are held legally responsible for injury, death, illness, or disease sustained by your employees, as well as any associated damages, expenses, or costs, arising during the course of their employment with your company.
Undoubtedly, public and employers’ liability insurance is a must-have for all tradespeople, the self-employed and business owners across Ireland. In other words, liability cover is essential for tradespeople who come into contact with members of the public, customers, or customer’s property. Employer liability cover is necessary if you have even one other employee working with you in your business.
Traditionally in Ireland, public and employers’ liability cover for tradesmen has been costly – but not anymore. Here at Insuremyvan.ie, we offer liability cover starting from as little as €1 a day, depending on your trade.
Our Liability Insurance policies provide €2.6 million of cover as standard. Notably, cover of up to €6.5 million, as required by many larger companies, local authorities, etc., is also available on standard policies. Furthermore, we can also provide even higher cover upon request.
Yes. Because, in an increasingly compliant working environment, liability cover is a must for safeguarding your business’ future. And without it, you run the risk of potentially losing your business and property, if a claim is made against you. Don’t take a chance when the solution is close at hand, in the form of Insure My Van!
Certainly. Because at Insuremyvan.ie, we will give you a discount off your liability insurance, once you have your van insurance with us. Furthermore, we can also offer you a further discount, if you have insurance with one of our affiliated companies: Insuremyhouse.ie, Insuremycars.ie, Coverinaclick.ie, Insuremyshop.ie or CFM Group.
As your business expands, so can your fleet insurance. You can add additional vehicles to your fleet policy at any time, ensuring all your business vehicles are covered under one convenient policy. Different types of vehicles can also be included, giving you flexibility as your needs evolve.
If you need to temporarily add a vehicle to your policy, simply contact us on 01 660 6900, and we’ll arrange the necessary coverage. Keep in mind that increasing the number of vehicles may impact future claims and premiums, so it's important to manage your fleet strategically.
We offer three options for Fleet Insurance coverage:
Third-party only insurance is the most basic level of cover available for your vehicle. If you are involved in an accident and deemed at fault, third party only will only cover damages to the other parties involves
Third party, Fire & Theft includes the same as third party only with the added extra for fire damage or theft of the vehicle.
A comprehensive policy offers coverage not only for damage caused to others but also for your own vehicle, even if you're at fault in an accident. However, while making a claim may impact your no-claims discount, some policies let you pay an extra premium to safeguard this bonus.
To comply with legal requirements, you need to have at least third-party car insurance. However, a fully comprehensive policy offers far more than the basic legal cover and, in some cases, may even be cheaper than third-party, fire, and theft insurance.
Permanent additional named drivers can be included in your policy, provided they meet the same criteria as the main driver regarding their license, accident history, and convictions.
Open Drive gives you the freedom to let someone else between a certain age range drive your vehicle on a day-to-day basis. The general conditions would be a fully licensed driver with a clean history. Please refer to your policy booklet for full details of age and license restrictions. Open Drive will never cover you to drive another vehicle through your own policy.
Contrary to common belief, having comprehensive coverage does not automatically grant you permission to drive any vehicle. Each policy has its own terms and conditions, and coverage for driving other vehicles may not be included.
To avoid any unexpected issues, check your policy documents or contact your insurance provider directly. Making assumptions about your coverage could result in costly consequences if you're involved in an incident without the appropriate protection.
A fleet can consist of any number of vehicles from two upwards. It can also consist of a variety of vehicles – e.g. HGVs, rigid trucks, light commercial vans and company cars.
At Insuremyvan.ie, we can arrange cover for all vehicle types including vans, HGVs, rigid trucks, light commercial vans, coaches, buses and company cars or any combination of these.
You must notify us as soon as possible following an accident irrespective of whom you think may be at fault. Approval must be obtained from us before proceeding with any vehicle repairs, and you must adhere to all other obligations outlined in your policy. It’s important not to admit or deny liability for any claim made against you, nor should you make offers, agreements, negotiations, or promises of payment or reimbursement without our prior consent. Please contact us on 01 - 6606900
Our In-House Senior Claims Manager is available to handle any claims you may have. Our Claims Manager will work closely with you, handling claims from start to finish, ensuring the appropriate settlement in a timely manner. Our Claims Manager has built up extensive knowledge and experience in the insurance industry and is fully compliant with all industry regulations.
Certainly. Because at Insuremyvan.ie, we will give you a discount off your liability insurance, once you have your van insurance with us. Furthermore, we can also offer you a further discount, if you have insurance with one of our affiliated companies: Insuremyhouse.ie, Insuremycars.ie, Coverinaclick.ie, Insuremyshop.ie or CFM Group.
As your business expands, so can your fleet insurance. You can add additional vehicles to your fleet policy at any time, ensuring all your business vehicles are covered under one convenient policy. Different types of vehicles can also be included, giving you flexibility as your needs evolve.
If you need to temporarily add a vehicle to your policy, simply contact us on 01 660 6900, and we’ll arrange the necessary coverage. Keep in mind that increasing the number of vehicles may impact future claims and premiums, so it's important to manage your fleet strategically.
Your annual insurance certificate and disc will be issued to you upon receipt of the requested documents as advised on the phone and outlined in the cover letter you received from us via email or by post.
Good news we can offer various options to clients who may wish to sell their private car and transfer their no claims discount earned to their new van insurance.
We can also provide discounted quoted to car clients who wish to keep their car and insure their van as a second vehicle.
To make a change to your existing van insurance policy please call us on 01 660 6900, select option 1 (Insuremyvan.ie) and then option 4 (All Other Queries).
The most common changes are listed below:
Please note: No cover will be in place for any alterations until confirmed by us.
The cancellation process is hassle free. Simply return your insurance certificate and disc to our office with a letter confirming you wish to cancel your policy.
If you wish to suspend your policy, just complete the same process and give us a call to reinstate your policy. Suspending your policy is a great alternative to cancelling a policy as it means you don’t need to start all over again but please note if you are paying on direct debit or through finance you must continue to pay your direct debits and should your policy be suspended for more than 30 days you will receive a rebate for this period from your insurer at renewal date.
Please note: Should there be a claim notified on your policy during the period of insurance there will be no refund premium following a cancellation or suspension request
It is imperative you contact Insuremyvan.ie or your insurance company if you have missed a payment as this could result with your van insurance policy being cancelled.
If you have missed a direct debit and wish to make payment, please call us on (01) 660 6900, select option 1 (Insuremyvan.ie) and then option 3 (Direct Debit).
Alternatively you can contact the following insurers to pay them directly:
Open Drive gives you the freedom to let someone else between a certain age range drive your van on a day-to-day basis. You should always refer to your certificate of insurance (generally section 6) and to your policy schedule for the full terms and conditions. Please note some insurers restrict driving to certain licence types, age and driving history including penalty point. Open Drive will never cover you to drive another vehicle through your own policy.
Driving other commercial vehicles benefit allows the policyholder only to drive other people’s vans on an occasional basis. This is not to be used as a full-time option. There are very strict rules around this extension regarding cover, ownership and vehicle weight. Majority of van insurers DO NOT give this extension. Please refer to your certificate of insurance and your schedule to see if this cover is available. This does not extend to driving other people’s private cars.
We understand that every haulage/trucking business is unique, and that's why we offer a range of specialised truck insurance options to meet your specific needs. We can help you find the right cover whether you're a new truck owner looking for First Time Truck Insurance, operate a fleet for Hire and Reward, transport your own merchandise with Own Goods Insurance, or specialise in the transport of hazardous materials requiring ADR / Hazardous Goods Insurance. We also offer other truck insurance products, so contact us today for a personalised quote and we'll discuss your requirements to find the best policy for you.
We offer three options for Fleet Insurance coverage:
Third-party only insurance is the most basic level of cover available for your vehicle. If you are involved in an accident and deemed at fault, third party only will only cover damages to the other parties involves
Third party, Fire & Theft includes the same as third party only with the added extra for fire damage or theft of the vehicle.
A comprehensive policy offers coverage not only for damage caused to others but also for your own vehicle, even if you're at fault in an accident. However, while making a claim may impact your no-claims discount, some policies let you pay an extra premium to safeguard this bonus.
For every complete year you are driving on your own policy without an accident or a claim, you are entitled to a year’s no claims discount. These discounts are then used to reduce your insurance premium. Usually, this is obtained at the renewal stage of your insurance policy and is issued with your renewal invitation pack.
As your insurer give a discount and reduce your insurance premium for having claims free driving, we need to see proof so that we can keep that discount in place.
To comply with legal requirements, you need to have at least third-party car insurance. However, a fully comprehensive policy offers far more than the basic legal cover and, in some cases, may even be cheaper than third-party, fire, and theft insurance.
Permanent additional named drivers can be included in your policy, provided they meet the same criteria as the main driver regarding their license, accident history, and convictions.
Open Drive gives you the freedom to let someone else between a certain age range drive your vehicle on a day-to-day basis. The general conditions would be a fully licensed driver with a clean history. Please refer to your policy booklet for full details of age and license restrictions. Open Drive will never cover you to drive another vehicle through your own policy.
Contrary to common belief, having comprehensive coverage does not automatically grant you permission to drive any vehicle. Each policy has its own terms and conditions, and coverage for driving other vehicles may not be included.
To avoid any unexpected issues, check your policy documents or contact your insurance provider directly. Making assumptions about your coverage could result in costly consequences if you're involved in an incident without the appropriate protection.
A fleet can consist of any number of vehicles from two upwards. It can also consist of a variety of vehicles – e.g. HGVs, rigid trucks, light commercial vans and company cars.
At Insuremyvan.ie, we can arrange cover for all vehicle types including vans, HGVs, rigid trucks, light commercial vans, coaches, buses and company cars or any combination of these.
You must notify us as soon as possible following an accident irrespective of whom you think may be at fault. Approval must be obtained from us before proceeding with any vehicle repairs, and you must adhere to all other obligations outlined in your policy. It’s important not to admit or deny liability for any claim made against you, nor should you make offers, agreements, negotiations, or promises of payment or reimbursement without our prior consent. Please contact us on 01 - 6606900
Our In-House Senior Claims Manager is available to handle any claims you may have. Our Claims Manager will work closely with you, handling claims from start to finish, ensuring the appropriate settlement in a timely manner. Our Claims Manager has built up extensive knowledge and experience in the insurance industry and is fully compliant with all industry regulations.
Certainly. Because at Insuremyvan.ie, we will give you a discount off your liability insurance, once you have your van insurance with us. Furthermore, we can also offer you a further discount, if you have insurance with one of our affiliated companies: Insuremyhouse.ie, Insuremycars.ie, Coverinaclick.ie, Insuremyshop.ie or CFM Group.
As your business expands, so can your fleet insurance. You can add additional vehicles to your fleet policy at any time, ensuring all your business vehicles are covered under one convenient policy. Different types of vehicles can also be included, giving you flexibility as your needs evolve.
If you need to temporarily add a vehicle to your policy, simply contact us on 01 660 6900, and we’ll arrange the necessary coverage. Keep in mind that increasing the number of vehicles may impact future claims and premiums, so it's important to manage your fleet strategically.
Your annual insurance certificate and disc will be issued to you upon receipt of the requested documents as advised on the phone and outlined in the cover letter you received from us via email or by post.
Good news we can offer various options to clients who may wish to sell their private car and transfer their no claims discount earned to their new van insurance.
We can also provide discounted quoted to car clients who wish to keep their car and insure their van as a second vehicle.
To make a change to your existing van insurance policy please call us on 01 660 6900, select option 1 (Insuremyvan.ie) and then option 4 (All Other Queries).
The most common changes are listed below:
Please note: No cover will be in place for any alterations until confirmed by us.
The cancellation process is hassle free. Simply return your insurance certificate and disc to our office with a letter confirming you wish to cancel your policy.
If you wish to suspend your policy, just complete the same process and give us a call to reinstate your policy. Suspending your policy is a great alternative to cancelling a policy as it means you don’t need to start all over again but please note if you are paying on direct debit or through finance you must continue to pay your direct debits and should your policy be suspended for more than 30 days you will receive a rebate for this period from your insurer at renewal date.
Please note: Should there be a claim notified on your policy during the period of insurance there will be no refund premium following a cancellation or suspension request
It is imperative you contact Insuremyvan.ie or your insurance company if you have missed a payment as this could result with your van insurance policy being cancelled.
If you have missed a direct debit and wish to make payment, please call us on (01) 660 6900, select option 1 (Insuremyvan.ie) and then option 3 (Direct Debit).
Alternatively you can contact the following insurers to pay them directly:
Open Drive gives you the freedom to let someone else between a certain age range drive your van on a day-to-day basis. You should always refer to your certificate of insurance (generally section 6) and to your policy schedule for the full terms and conditions. Please note some insurers restrict driving to certain licence types, age and driving history including penalty point. Open Drive will never cover you to drive another vehicle through your own policy.
Driving other commercial vehicles benefit allows the policyholder only to drive other people’s vans on an occasional basis. This is not to be used as a full-time option. There are very strict rules around this extension regarding cover, ownership and vehicle weight. Majority of van insurers DO NOT give this extension. Please refer to your certificate of insurance and your schedule to see if this cover is available. This does not extend to driving other people’s private cars.
City Financial Marketing Group Limited T/A CFM Group is regulated by the Central Bank of Ireland. City Financial Marketing Group Limited is a company registered in Ireland. Registered address: Insurance House, 62A Terenure Road North, Terenure, Dublin 6W, D6W CF54. Registered Number 235088.
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