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Who Are Dial Direct Van Insurance?

Dial Direct is a known UK insurance company and it is a trading name of BISL Limited. The company is part of a bigger insurance group. They have millions of customers in the UK. Dial Direct gives you options for cover such as car insurance, home insurance, and van insurance.

Dial Direct is authorised and regulated by the Financial Conduct Authority. The company gives you van insurance with flexible options. You will also get strong customer support from them. They make these insurance policies for many people. This includes tradespeople, delivery drivers, and even people who use their vans for personal things. With Dial Direct, you get van insurance that matches what you need.

Customers can pick from three main types of cover with dial direct. You can go for Comprehensive, Third Party, Fire & Theft, or just Third Party Only. After that, you can add extras to your policy. Some of the extras are tools cover, keycare, breakdown help, and legal protection. Dial direct gives support for claims all day, every day. You also get to look after your policy online through their account system.

Dial Direct is known for giving UK drivers van insurance at good prices. The company gets solid feedback from their customers. They work hard to make van insurance simple and easy to use. You can also change your plan to fit what you need. With Dial Direct, many people feel that their cover will be there when they need it.

What Types of Van Insurance Can You Get From Dial Direct?

Dial Direct gives UK drivers three main options for van insurance. These choices work for both personal use and business purposes. If you need cover for your job, or you want cover for your own needs, you can get the right option with Dial Direct. This helps people in the UK feel safe and worry less while using their vans for work or for fun.

Level of Insurance What’s Covered
Comprehensive Insurance Covers your own van, third-party claims, accidental damage, fire, theft, and more.
Third Party, Fire & Theft Covers third-party damage and fire or theft of your own van.
Third Party Only Covers only liability for damage to others – the UK’s legal requirement minimum.

Each van insurance policy gives you several choices, so you get what you need. If you use your van for your home or on your own, you can have private van insurance. If you drive your van for work, you can get commercial van insurance. Each insurance policy can be changed to match how you use the van. This way, your van insurance policy works well for you.

What Standard Features Come With Dial Direct Van Insurance?

Dial Direct gives you a lot of features, even if you choose one of their standard insurance plans.

Feature Included?
Windscreen cover Yes – repairs or replacements
Medical expenses Yes – up to £200 per claim
Uninsured driver promise Yes – excess refunded if not at fault
Personal belongings Yes – cover for items stored in the van
Legal protection Yes – included as standard
Replacement locks Yes – if keys are lost or stolen
Audio/navigation cover Yes – factory-fitted systems
Emergency transport Yes – following an accident
Driving abroad Yes – included for most EU travel
Personal injury protection Yes – limited injury benefit for driver/passenger

You can see all the things about your policy in the policy details. You can check them online or read them in your policy papers.

Can You Customise a Dial Direct Van Insurance Policy?

Yes, Dial Direct lets you get a van insurance policy that is right for you. You can also add things to your insurance policy, so it fits what you need. With Dial Direct, your van insurance can work for you.

Optional Cover Purpose
Guaranteed Replacement Van Temporary van if yours is stolen or written off
Tools & Van Contents Cover Protects work tools and equipment
Keycare Cover Covers loss, theft, or damage to your keys
Breakdown Cover Covers roadside recovery across the UK

These options can be very good if you use your van for business purposes. They also help if you keep expensive things in your van.

Can You Customise a Dial Direct Van Insurance Policy

What Information Do You Need to Apply for a Policy?

To finish the application process, you will have to give:

  • You will need to give your full name and your date of birth.
  • You should say if you have a history of accidents in your driving record.
  • Tell them how much you drive in a year, your yearly mileage, and if you use the van for work or only for yourself.
  • Give details about your van, like the registration number, its value, and other needed information.
  • Say if you have made any claims before or if there are any exclusions.

Giving the right personal information helps you get a quote that matches you. It also means you will not have trouble if you make a claim later.

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How Does Dial Direct Handle Excess and Repair Costs?

Each Dial Direct policy includes both:

  • Compulsory excess – this is the set amount, which is usually £100, that you need to pay.
  • Voluntary excess – you can choose any amount you want to be from £0 up to £500.

If there is a collision, fire, or accidental damage, you will need to pay your agreed excess first. After you do this, Dial Direct will take care of the rest of the repair costs. This will be done as long as it fits with the terms of the policy.

How Are Claims Handled by Dial Direct

How Are Claims Handled by Dial Direct?

If you need to claim, Dial Direct has a 24/7 claims helpline. You can get help at any time. The process includes:

  1. Call the claims team on the phone.
  2. Give them your policy number and tell them what happened.
  3. Set up an approved repairer from your insurer if you need to get that done.
  4. Send in your documents to show your claim is real.

If you cannot drive your van, dial direct can help you. The company will set up emergency transport for you or give you a replacement van. This will happen if you picked that cover with dial direct.

How Much Does Dial Direct Van Insurance Cost in the UK?

Here is an example of what van insurance premiums can look like for people who drive a van in the UK.

Driver Type Cover Level Approx. Monthly Premium
30-year-old sole trader Comprehensive £41.30
45-year-old self-employed TPF&T + Tools Cover £38.20
39-year-old delivery driver Third Party Only £33.50

Prices can change because of many things. These can be your postcode, how much your van is worth, your claim history, and the level of cover you ask for. To find the cheapest van insurance for you, always compare van insurance quotes.

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Does Dial Direct Van Insurance Cover Business and Private Use?

Yes. You must specify if you use your van for:

  • Private van insurance – You need private van insurance when you use your van for your own trips. This is for things like running errands, going out, or driving around, but not for work.
  • Commercial van insurance – You should get commercial van insurance if you use your van for work. It covers you when you make deliveries, do your job, or move goods for other people or places.

Van insurance helps protect you and your van, no matter if you use it for private or commercial reasons.

Your level of cover and monthly cost will change based on how you use it. If you do not tell us about business purposes, we might not accept your claim.

Are There Any Admin Fees or Exclusions to Be Aware Of?

Dial Direct tells you what you need to pay upfront. But, there are a few common costs to think about.

  • The admin fee will be added if you want to make any changes during the term or if you need to stop the service.
  • You will have to pay interest when you choose to pay every month in instalments.
  • There are extra costs if you do not make a payment on time.

Exclusions may apply if:

  • The van is not locked, and no one is there to watch it.
  • You have given the wrong personal information.
  • The van is used to race, or it is used for things that are not allowed by the law.

Always take time to read your insurance policy papers. You need to know what is not part of your cover.

How to Switch and Save With Dial Direct

If you have your insurance with another company, you can move to Dial Direct when you renew your policy. You can even switch in the middle of your policy if certain rules let you. This will help you get the most for your money.

  • Use van insurance comparison tools. They help you get the best van insurance for what you need.
  • Pick only the cover levels that you need. This can help cut the cost of your van insurance.
  • Do not pick extra features unless you feel they are needed for you or the van.
  • If you pay for van insurance one time a year, not every month, you may skip some extra fees.

Compare dial direct with other UK insurers to help you get the best quote for your needs. You can also look for flexible features that work for you. This way, you will get a good price and the right cover from UK companies. If you want a UK insurer, checking dial direct along with others can help you choose the right one.

Correct as of 22 July 2025

FAQs About Dial Direct Van Insurance

There are three main UK cover options. These are called Comprehensive, Third Party Fire & Theft, and Third Party Only.

Yes, every van insurance policy from Dial Direct comes with legal protection. This means when you buy an insurance policy from Dial Direct for your van, you get legal protection as part of your van insurance policy.

Yes, but you need to choose the right option for how you will use it when you fill out your application.

Third party insurance is a legal requirement if you want to drive on UK roads. This means you must have it to use your car in the UK. It helps cover the cost if you cause damage or injury to other people or their property.

They offer good rates, but you should also look at other van insurance quotes. This can help you find the cheapest van insurance for you and your van. Your own driver details can help you get a good deal too.

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Page last updated on: 01/08/2025

Page reviewed by: Tim Bailey

4000+ reviews