Van
Van insurance from Groupama will be most competitive where you have an established business and the vehicle does not exceed 3.5 tonnes.
Please refer to the policy wording for full details of cover and applicable terms and conditions.
Overview
Optima Van is Groupama's commercial vehicle insurance policy available on a comprehensive or third party fire and theft basis.
Who is it for?
| Optima Van | |
|---|---|
| Proposers who are individuals, companies or partnerships |  |
| Drivers requiring comprehensive cover for vehicles valued up to £25,000 | |
| Drivers requiring third party fire and theft cover for vehicles valued up to £5,000 | |
| Drivers aged between 25 and 70 years of age | |
| Drivers with a full UK/EU/EEA licence | |
| Cover for the carriage of own goods for business purposes where the GVW does not exceed 3.5 tonnes | |
| Cover available for risks where SDP use only is required | |
Commission
12.5%
Minimum premiums
£150 plus IPT
How to get a quote
Via your software house
Cover
Comprehensive
| Cover | Optima Van |
|---|---|
| Loss of or damage to the insured vehicle | Up to market value |
| Third party injury | Unlimited |
| Third party property damage | £5 million limited |
| Car stereo and other audio equipment | Unlimited for standard fit equipment. £500 limit for non standard fit |
| Lost car keys and replacement locks | £400 limit |
| Medical expenses | £100 limit for each injured person |
| Emergency medical treatment | Unlimited payments as required by RTA |
| Repairing and replacement of glass | Unlimited if approved supplier used |
| Personal accident benefit | £5,000 limit for each injured person. Limited to insured and spouse / civil partner unless injured whilst using a vehicle in the course of their employment or business purposes |
| Personal belongings | £100 limit |
| Overnight accommodation | Cover limited to £40 per person up to a total of £80 |
Third party fire and theft
| Cover | Optima Van |
|---|---|
| Loss of or damage to the insured vehicle | Up to market value |
| Third party injury | Unlimited |
| Third party property damage | £5 million limit |
| Car stereo and other audio equipment | Unlimited for standard fit equipment. £250 limit for non standard fit |
| Lost car keys and replacement locks | £400 limit |
| Emergency medical treatment | Unlimited |
Excesses
| Excess | Optima Van |
|---|---|
| Comprehensice accidental damage | £50 to £400 (dependent on vehicle group |
| Fire, theft and malicious damage | £100 |
| Replacement glass | £50 |
| Inexperienced drivers excess (additional to accidental damage excess). 25 and over with a full licence for less than 12 months or a provisional licence | £150 |
Benefits
Policy benefits
| Benefit | Optima Van |
|---|---|
| Up to 9 years no claim disount | |
| Protected bonus available if four years or more no claim discount | |
| Up to 14 days temporary replacement van whilst the van is being repaired by a Groupama partnership repairer - comprehensive only | |
| Full policy cover within EU provided free of charge | |
| In the event of total loss, a new van replacement may be available providing van is under 12 months old and was first registered as new in the policyholder's name | |
| Guaranteed repairs with a partnership repairer | |
Literature
Optima Van
- Optima Van policy summary - comprehensive cover (PDF, 26KB)- This link opens in a new browser window
Reference: None
Published: 19 September 2011 - Optima Van policy summary - third party fire and theft cover (PDF, 28KB)- This document opens in a new browser window
Reference: None
Published: 19 September 2011 - Optima Van policy wording (PDF, 306KB)- This link opens in a new browser window
Reference: GR240
Published: 17 January 2011
