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LONDON ROOTS. PERSONAL SERVICE.
Van
Insurance.
Your tools. Your trade. Your everyday journeys.
From a single work van to a vehicle used for personal journeys, tell us how you use it. We’ll explore the available insurance options and explain the cover before you decide.
An initial enquiry. Cover starts only when arranged and confirmed.
Independent since 1978
Based in Crouch End, London
Speak to a real broker
INSURANCE AROUND YOUR BUSINESS
A working van.
A different kind of day.
A van can be transport, a mobile workspace and an essential part of your livelihood. Start with what you carry and where you drive.
Trades & own goods
Personal journeys
Named drivers
Electric vans
Carrying your own tools or stock is different from delivering other people’s goods for payment. Let us know about every use so we can check the correct class of cover.
Tools, stock and equipment are not automatically covered just because the van is insured.
ESTABLISHED
1978
An independent insurance broker
since 1978
London roots. Looking ahead.
WHY CROSSROADS
More than four decades.
Still personal.
Insurance starts with understanding what matters to you. We begin with a conversation.
01 / THE CROSSROADS APPROACH
Independent markets. Personal attention.
We explore the options available through our insurance markets, based on your vehicles, circumstances and the cover you need.
02 / THE CROSSROADS APPROACH
People you can speak to.
Tell us what you need and ask the questions that matter to you. Our team will talk you through the available options.
03 / THE CROSSROADS APPROACH
Know where you stand.
We explain the cover, excesses and relevant terms before you decide. You can ask us about the details at every stage.
01 / YOUR LEVEL OF COVER
Compare the cover.
Choose with confidence.
Compare the main differences. We’ll explain the levels available for your vehicle and the relevant policy terms.
01 / COVER LEVEL
Third Party Only
Cover for your legal liability to other people.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Not included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not included
Does not insure loss or damage to your own vehicle.
02 / COVER LEVEL
Third Party, Fire & Theft
Third party liability, plus fire and theft protection.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not normally included
Adds fire and theft cover, but not accidental damage to your vehicle.
03 / COVER LEVEL
Fully Comprehensive
Third party liability and wider protection for your vehicle.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Included
Windscreen repair or replacement
Check policy terms
Windscreen benefits, excesses and repair arrangements vary by insurer.
This is a general comparison, not a policy summary. Availability and benefits depend on the insurer. The policy wording and certificate set out the actual cover and permitted use.
Not sure which level to choose?
We’ll explain the available cover and excesses before you decide.
02 / HOW YOU USE YOUR VAN
For work.
For life.
For your business.
Select a use to see the details worth discussing. This helps start the conversation; it does not select or arrange insurance.
EXPLORE HOW YOU USE YOUR VAN
01
WORK
Carrying your own tools or stock
Tell us your trade, what you carry, your working area and whether you visit several sites. The motor policy’s permitted use and cover for the contents need separate checks.
02
LIFE
A van for everyday journeys
Tell us about personal driving, commuting and annual mileage. A van used privately still needs the correct vehicle classification and driver details.
03
DELIVERY
Paid delivery work needs a closer look
If you deliver goods belonging to others for payment, tell us before you start. We can discuss courier van insurance and any separate goods-in-transit requirements.
04
BUSINESS
More vans. One conversation.
If your business operates several vehicles, ask us about fleet options. We’ll check ownership, vehicle use and the people who need to drive.
These examples help us understand your needs. Available cover, terms and acceptance depend on the insurer.
03 / OPTIONAL EXTRAS
Extra protection.
A clearer picture.
Explore optional benefits and related policies. Some may already be included; others need separate cover. We’ll explain what is available for your circumstances.
01 / 06
Motor Legal Cover
Help with eligible legal costs when pursuing uninsured losses following a non-fault accident. Conditions apply to the prospects of success and authorisation of costs.
What we’ll help you check
- Which losses can be pursued?
- What must happen before costs are authorised?
- How is a claim reported?
02 / 06
Motor Breakdown
Explore roadside assistance and recovery for the vehicle use you declare. Home assistance, onward travel and vehicle restrictions depend on the product.
What we’ll help you check
- Does it accept this vehicle and its use?
- What weight, size or age limits apply?
- Which recovery and home services are included?
03 / 06
Tools & Equipment
Discuss cover for tools and equipment carried in your van. Check the value at risk and storage conditions rather than assume the motor policy protects everything inside.
What we’ll help you check
- What is the limit per item and per vehicle?
- Is overnight storage permitted?
- What security and evidence of ownership are required?
04 / 06
Motor Excess Protection
Ask about reimbursement of an eligible motor policy excess following a settled claim, subject to the protection limit and the product’s terms.
What we’ll help you check
- Which excess payments are eligible?
- What limits and exclusions apply?
- Which settlement documents are needed?
05 / 06
Public Liability
Discuss separate cover for liability arising from your business activities. It does not replace the motor insurance needed for use of the vehicle.
What we’ll help you check
- Which business activities are insured?
- How does it fit with the motor policy?
- What limits does my contract require?
06 / 06
Key Protection
Ask about help with eligible lost, stolen or damaged keys and locks. Check whether protection is already included before adding a separate product.
What we’ll help you check
- Which keys are covered?
- What claim limits and excesses apply?
- How is a replacement arranged?
Choose an option to explore. Availability, limits and exclusions vary. Related policies may be arranged separately; we’ll provide the relevant terms before you decide.
GETTING STARTED
Three steps.
Let’s get started.
01
Tell us about your van
Share your registration, what you use the van for and who needs to drive. We’ll contact you to fill in the details.
02
Explore your options
We discuss available cover, optional extras and payment arrangements, including the relevant terms.
03
Confirm before you drive
Complete the required information and arrangements. Check your documents and the confirmed start date.
Useful details to have ready
Vehicle registration and value · Trade and vehicle use · Drivers and licences · Annual mileage · Claims and convictions · No-claims evidence · Start date
Ready to discuss your cover?
Send a short enquiry and we’ll contact you to discuss your requirements.
CUSTOMER EXPERIENCES
Real people.
In their own words.
Read what customers say about their experience with Crossroads.
A LITTLE MORE CLARITY
Your questions
answered.
Answers to common questions about van insurance, drivers and arranging cover.
Understanding the cover
What does van insurance cover?
That depends on the cover level and policy terms. We’ll discuss third party, fire and theft and comprehensive options where available, alongside the permitted vehicle use.
Does business use cover courier deliveries?
Do not assume it does. Carrying your own goods or tools is different from carrying other people’s goods for payment. Tell us about delivery work so we can check the appropriate insurance.
Are tools left in my van insured?
Not automatically. Some policies include limited cover and others require separate tools insurance. Check limits, security requirements and restrictions on unattended or overnight storage.
Can I insure a van for personal use?
Tell us it is used privately and whether you commute. We’ll check the available options for the vehicle and the journeys you make.
Vehicles, drivers and use
Can other people drive my van?
Only drivers permitted by the policy may drive. Tell us who needs cover, including employees or family members. Any-driver terms, where available, still have restrictions.
Can you look at electric vans or modified vans?
Tell us about the vehicle, battery ownership and any changes such as racking, signage or other modifications. Acceptance and cover depend on the insurer.
Can my car no-claims discount help?
Some insurers may consider relevant driving history or other no-claims evidence. It is not an automatic transfer, and the same discount cannot simply be assumed available on two policies.
What if I buy another van?
Contact us before you need cover. We can discuss adding or replacing a vehicle, or whether a fleet arrangement is appropriate.
Getting a quote
How do I request a quote?
Choose a quick callback or share your quote details using the enquiry form. You can also call 020 8374 9331. We’ll review your information and discuss the available options.
Does the enquiry form put cover in place?
No. It asks our team to contact you. Cover must be arranged and confirmed, with the required details and payment arrangements completed, before you rely on it.
Can I ask about monthly payments?
Yes. Ask us about available payment arrangements and the total cost. Instalments on an annual policy are not the same as a monthly insurance policy. Finance is subject to eligibility and terms.
Managing your policy
Can I change the policy later?
Contact us before changing vehicles, drivers or vehicle use. Insurer acceptance, additional premiums and fees may apply. Check the change is confirmed before relying on cover.
What happens if I want to cancel?
Please contact us and confirm your request in writing. Any refund, fees and outstanding finance depend on the policy terms, time on cover and claims position.
When can I speak to the team?
Call 020 8374 9331, Monday to Friday, 9am to 5pm. We are based at 133 Tottenham Lane, Crouch End, London, N8 9BJ.
OTHER WAYS TO WORK
Find your next route.
LET’S TALK ABOUT YOUR COVER
Your next journey
starts here.
Tell us what you need. We’ll take it from there.
Monday–Friday · 9am–5pm
133 Tottenham Lane, Crouch End, London, N8 9BJ