| Third party bodily injury |
Unlimited |
| Third party property damage (cars) |
£20,000,000 in any one occurrence |
| Third party property damage (all other vehicles) |
£5,000,000 in any one occurrence |
| Third party property damage (all other vehicles carrying hazardous goods) |
£1,200,000 in any one occurrence |
| Legal defence costs |
Unlimited |
| Own vehicle damage |
Market value less excess (limited to £5,000,000 in the policy period) |
| Medical expenses |
£500 any one person |
| Personal effects |
£250 any one person (£1,000 limit per incident) |
| Emergency accommodation or transport costs |
£250 per person spread over two nights |
| Legal protection |
Motor prosecution defence – £100,000. Uninsured loss recovery – £100,000 |
| Excess for accidental damage, fire, theft, and glass replacement (except windscreen damage) |
£1,000 |
| Windscreen excess |
£0 |
| Theft by negligence cover (keys left in the van) |
Various excess applies |
