The Van Insurer – Free £500 Excess Protection Offer*

*The Van Insurer is offering eligible customers a Free Excess Protection Policy when purchasing a qualifying van insurance policy through our website.

These Terms and Conditions explain how the offer works.

1. About the Offer

Customers who purchase a Qualifying Van Insurance Policy through The Van Insurer website and opt in to this promotion will receive a Free Excess Protection Policy.

This policy allows eligible customers to claim reimbursement of up to £500 of unrecoverable excess paid following settlement of a valid claim under their van insurance policy.

The cover is provided at no additional cost to eligible customers.

Only eligible van insurance policies purchased through our online journey qualify for this offer.

2. Who Provides the Cover

The Free Excess Protection Policy is arranged and administered by Emergency Assist Ltd.

Emergency Assist Ltd

Company Number: 10635572

Registered Office: Exchange Square, Wisbech, Cambridgeshire, PE13 1RA

VAT Number: 263089004

Emergency Assist Ltd is an Appointed Representative of 2Gether Insurance Limited, which is authorised and regulated by the Financial Conduct Authority (FCA No. 579333).

3. The Role of The Van Insurer

The Van Insurer is a trading style of ICE Internet Comparison Experts Ltd ("ICE").

ICE acts solely as an introducer to this promotion and does not underwrite, administer, or pay claims under the Free Excess Protection Policy.

4. Eligibility

To qualify for the Free Excess Protection Policy you must:

• be aged 17 or over
• be a resident of the United Kingdom, Channel Islands or Isle of Man
• obtain a van insurance quotation through The Van Insurer website
• purchase a Qualifying Van Insurance Policy following that quotation
• opt in to receive the Free Excess Protection Policy during the quotation journey

5. Qualifying Van Insurance Policy

A Qualifying Van Insurance Policy is a van insurance policy purchased via The Van Insurer website which:

• provides at least third-party, fire and theft cover
• includes a policy excess greater than £0

The following policy types are NOT eligible for this offer:

• temporary, short term or multi-van insurance policies, including those purchased through third-party providers; and
• policies purchased via a telephone quotation, as only policies completed entirely through the online journey qualify for this promotion.

6. Cover Period

The Free Excess Protection Policy will apply from the start date of the Qualifying Van Insurance Policy and will end on the earlier of:

• the end date of the qualifying van insurance policy, or
• 12 months from the Free Excess Protection policy start date, or
• once a claim has been made against the Free Excess Protection Policy.

7. What the Policy Covers

The Free Excess Protection Policy provides reimbursement of up to £500 of unrecoverable excess that you have paid following settlement of a valid claim under your van insurance policy.

To qualify for reimbursement:

• you must be the named policyholder on the van insurance policy
• the claim must relate to a covered event
• the excess must have been paid by you
• the excess must be unrecoverable from any third party or other source
• your claim must be submitted within six months of settlement of the van insurance claim.

If you make a claim, you must pay the full excess required by your van insurance policy (any compulsory and voluntary excess combined) upfront. The Free Excess Protection Policy can reimburse you up to £500 of this amount after your claim has been settled. If your total combined excess is more than £500, you will still need to pay the full amount at the time of the claim and will only be reimbursed up to £500. Please make sure you choose a combined excess level (compulsory PLUS voluntary) that you can afford to pay upfront if you need to make a claim.

8. What Is Not Covered

Claims will not be paid where the claim under the van insurance policy arises from:

• mechanical breakdown
• glass-only claims, including windscreen repair or replacement

Full policy terms will be provided by Emergency Assist Ltd after the qualifying van insurance policy has been purchased.

9. Policy Activation

Customers must opt in during the quotation process to receive the Free Excess Protection Policy.

Following purchase of a qualifying van insurance policy, Emergency Assist Ltd will issue policy documentation directly to the customer by email.

10. Claims

Claims under the Free Excess Protection Policy are administered by Emergency Assist Ltd.

Customers will need to provide:

• proof of the van insurance claim settlement
• confirmation of the excess paid
• confirmation that the excess is unrecoverable

Full claims instructions will be included in the policy documentation.

11. Verification

Emergency Assist Ltd may verify that a Qualifying Van Insurance Policy has been purchased via The Van Insurer website.

If verification cannot be obtained, the Free Excess Protection Policy may be withdrawn.

12. Complaints

Complaints relating to the promotion should be directed to The Van Insurer.

Complaints relating to the policy or claims handling should be directed to Emergency Assist Ltd using the contact details provided in the policy documentation.

If a complaint cannot be resolved, customers may refer the matter to the Financial Ombudsman Service.

13. Data Protection

Personal data will be processed in accordance with the privacy policies of:

• The Van Insurer (ICE Internet Comparison Experts Ltd)
• Emergency Assist Ltd

and in line with applicable data protection legislation.

14. Changes to the Promotion

The Van Insurer may amend, suspend or withdraw this promotion at any time.

This will not affect Free Excess Protection Policies already issued to eligible customers.

15. Governing Law

These Terms and Conditions are governed by the laws of England and Wales.