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Budget Van Insurance is a trading name of BISL Limited, a well-established insurance intermediary based in Peterborough. Operating in the UK market for over 25 years, the company is authorised and regulated by the Financial Conduct Authority and works with a wide panel of leading insurers.

They provide tailored van insurance solutions for both personal and business drivers, with flexible cover options and add-ons such as legal protection, breakdown assistance, and replacement vehicle support. With millions of customers across the UK, Budget focuses on delivering simple, affordable, and reliable insurance policies backed by strong customer service and digital account access.

What Types of Van Insurance Can You Get With Budget?

Budget Insurance gives you three main types of van cover. You can use it for both your own van and for work vans. All three follow UK driving laws. Each one gives a different level of protection.

Cover Type What’s Included
Comprehensive Covers damage to your van and others, theft, vandalism, accidental damage.
Third Party, Fire & Theft Covers others’ vehicles and property + fire or theft of your own van.
Third Party Only Covers damage or injury caused to others – minimum legal requirement in the UK.

Each policy lets you choose from different excess amounts. There are also some add-ons you can pick. What you pick depends on your driving needs.

What Is Included as Standard in Budget’s Comprehensive Cover?

The policy from Budget does more than cover road accidents. It also gives you other key features that can be good for you.

Feature Included as Standard?
Windscreen cover Yes – repair or replacement glass
Medical expenses Yes – up to £200
Uninsured driver promise Yes – excess refunded if not at fault
Personal belongings cover Yes – protection for items in van
Audio/navigation cover Yes – for built-in equipment
Replacement locks Yes – if keys are lost or stolen
Emergency transport Yes – for you and your passengers
Driving abroad Yes – within EU with conditions
Personal accident benefits Yes – limited cover for injury/death

These features are made to fit the safety standards we have today. They help give peace of mind to people who drive for work and to people who just drive for themselves.

Can You Add Optional Extras to Budget Van Insurance?

Yes. The budget lets you change your policy by adding more coverage. This can help you get more protection or make things easier for you.

Optional Cover Details
Breakdown Assistance Roadside help across the UK
Guaranteed Replacement Van Access to a temporary vehicle if yours is written off or stolen
Keycare Cover Covers loss/theft of keys and locksmith charges
Tools Cover Protects your work tools from theft or damage in your van

You can add these extras when you ask for a quote or when you renew your plan. The price will be different based on the type of coverage you choose and how you use your van.

Can You Add Optional Extras to Budget Van Insurance

How Do Excess and Liability Work With Budget?

When you choose a van policy, you will find a total excess. This total excess is made up of:

  • Compulsory excess: This is always there. It usually starts from £100.
  • Voluntary excess: You can choose how much you want to pay. It can be from £0 to £500.

If you pick a higher voluntary excess, you may pay less for your premium. This is how it works for liability insurance in the UK. Drivers pay some of the cost if they have small claims.

Budget gives you motor legal protection as part of the standard cover. This is there to help you get your money back when you have uninsured losses, like:

  • Damage excess
  • Hire vehicle costs
  • Loss of earnings
  • Injury compensation if it is not your fault

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Does Budget Van Insurance Cover Business and Personal Use?

Yes. You will be asked if you use the van for any of these things when you go through the quote process.

  • For private use only
  • To carry your own things
  • To carry things for hire or reward (people often need this when they do courier work or if they have a trade)

Budget changes the way it writes its policy based on the business purposes you choose. The coverage is set up to fit what you need for your business.

Exclusion: You cannot use your van to drive another person’s vehicle under this policy.

How Do You Access Your Policy Documents With Budget

How Do You Access Your Policy Documents With Budget?

After you get a policy, you can register for My Account. It is an online self-service platform. You can use it to:

  • You can see and download your certificate of insurance when you need it.
  • You can read all your full policy documents.
  • You can change your vehicle, driver, or the way you use your car.
  • You can print your papers at any time.
  • You can make changes to your policy when you renew or add optional items.

This 24/7 service is helpful if you lose your printed copy. You can also use it when you have to change details, even if it is not during normal office hours.

What Happens If You Need to Make a Claim?

Budget Insurance has a claims helpline for van policies, and you can call it any time, day or night. The helpline is open 24/7. Here is how the process works:

  1. Call the number that you see in your documents.
  2. Share the details about the incident. Be sure to tell them about the other people who were involved in it.
  3. You will get help with what to do next.
  4. If your van can be fixed, you will be sent to an approved repairer.
  5. If the van can’t be fixed and is written off, you will get a settlement. Or you may get a replacement vehicle if your cover has that.

Claims for windscreen repairs are often handled on their own, not with other claims. You can book a repair with a partner glass repairer directly.

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Are Discounts or Coupons Available With Budget?

Budget does not use special coupons such as those from “Alamo” or “Avis” when you book a car rental in the usual way. But you can still save some money by using these steps:

  • Choose a higher voluntary excess
  • Try to keep your driving record clean, with no points or past claims
  • Pay annually instead of monthly
  • When it is time to renew, compare with tools like Free Price Compare
  • Do not add unnecessary optional extras

There is no sure use of a coupon or code all the time, but drivers can get good deals from new customer offers. There are also deals that come up at certain times of the year. If you are looking to save, check for these chances instead of waiting for a coupon.

What Are Budget’s Main Exclusions?

Like all UK insurers, there are some things you will not get cover for. Here are the main things that are not part of the insurance:

  • Theft can happen if you leave the keys in the van or on it.
  • There can be damage if you put the wrong fuel in.
  • If you leave the van unlocked and do not watch it, something could happen to it.
  • There could be problems if you take the van outside the area that was agreed.
  • You should not use the van for races, rallies, or in the motor trade unless you have said so first.

These are shown in a clear way in the statement of fact and policy wording.

What Are Budget’s Main Exclusions

Example of Budget Van Insurance Pricing (Estimated)

Driver Type Cover Level Approx. Monthly Premium
35-year-old tradesman Comprehensive + tools £42.60
28-year-old courier TPF&T + keycare £39.10
44-year-old for personal use Third party only £28.90

Prices here are only to give examples. The real cost can go up or down. It will depend on where you live, what kind of van you have, and your past driving record.

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Does Budget Offer Courtesy Vans or Hire Vehicles?

Budget is different from a car rental company, but it does come with a Guaranteed Replacement Van add-on. This lets you get a van for a short time if you need one.

  • Your van is at the shop because it got into a bad accident and needs fixing.
  • Someone stole your van and you do not get it back.
  • Your van is called a total loss.

This is very much like the insurance replacement rentals you may get from Sixt or Enterprise. The thing that makes it different is that it comes with your policy. You do not have to go out and make a separate booking for this.

How to Switch and Save on Budget Van Insurance

If you already have insurance, you can switch to Budget when it’s time to renew. You can even move over before then if you want. To get the best rate, think about this:

  • You can check and compare prices online by using a regulated site like Free Price Compare.
  • Be sure to pick only the cover levels that you need for your van.
  • See if you can get a multi-vehicle policy or try a home and van bundle for better deals.
  • If you can pay once a year instead of monthly, do this so you will not be charged extra interest.

Budget policies are controlled by the Financial Conduct Authority. They are under BISL Ltd. This means UK drivers have more protection.

Correct as of 23 July 2025

FAQs About Budget Van Insurance

You will need to have your driving licence details. You should also have the van registration and your driving history. You will need to say if you will use it for personal or business reasons.

You will have this only when you choose Tools Cover as an extra choice. This is not there as a normal feature.

Yes, but you need to tell them this when you get your quote. The type of policy you get and the price you pay for it will change because of it.

Log in to My Account. You can change your details anytime. This lets you update things like your van or add new drivers.

Third party only is the smallest type of cover you must have by UK law.

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Page last updated on: 01/08/2025

Page reviewed by: Tim Bailey

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