Mercedes‑Benz Van First Cover

Insurance Product Information Document

Company: Wrisk Transfer Limited, authorised and regulated in the UK by the Financial Conduct Authority under ref no. 788062

Product: Mercedes‑Benz Van First Cover

Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule.

What is this type of insurance?

This is a driveaway insurance policy, meaning cover is only valid up to 3 days from the date of commencement as shown on your schedule. It provides cover against damage to your van or damage caused by your van, as summarised below.

What is insured?

  • Loss of or damage to your van: Resulting from accidental damage, fire or theft.
  • Third party liability: Following an accident, we’ll cover your liability to other people for injury (unlimited) or damage to their property (up to £5 million including legal fees).
  • Replacement locks and keys: Cover to the value of £500 if your van’s keys are lost or stolen. For claims that are only for keys and locks, you will not need to pay an excess.
  • Courtesy van, subject to availability: You may keep the courtesy van while your van is being repaired and a maximum of 14 days. If your van cannot be repaired, you may keep the courtesy van for a period of up to 14 days or until 4 days after payment has been issued to you (whichever is sooner).
  • Windscreen cover: If your windscreen or window glass is damaged, we will repair or replace it.
  • Personal belongings: Covered up to £300 for personal items in your van.
  • Passengers and pets: Cover for up to £500 for emergency overnight accommodation.
  • Tools: up to £300 for damaged or stolen tools that were in your van at the time of an insured incident.
  • Electric Vehicles: Cover for your battery and charging cables.
  • Medical expenses and physical assault: Cover up to £100 per person per claim.
  • Personal accident: Cover for up to £5,000 per claim during the period of insurance.

What is not insured?

  • The excess shown on the schedule.
  • Death or Bodily Injury arising from suicide, attempted suicide, any form of racing, caused to a driver not wearing a seatbelt, or any event caused while the driver is over the prescribed limit or unfit to drive through alcohol or drugs (including prescribed medication).
  • All points under the General Exclusions section of the Policy Wording are not covered.
  • All points listed in the “What is not covered” column of each section of the Policy Wording are not covered.
  • Driving other vans or cars
  • Loss or damage to your van outside of the territorial limits

Are there any restrictions on cover?

  • You are only covered in the United Kingdom, The Channel Islands and the Isle of Man and the countries specified in Section 7 of the policy wording.
  • Theft or attempted theft of your van, its contents or your tools if your van is unoccupied at the time of the theft, unless your van is locked and the ignition key or other removable ignition device was not in, on or left unattended in the immediate proximity of your van.
  • Loss or damage to non-standard audio/visual and other non standard in-car entertainment.

Where am I covered?

As standard you are covered when driving your van in the United Kingdom, the Isle of Man, and the Channel Islands.

In addition you are provided the legal minimum cover required to drive in the territorial limits, in the following countries: Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, the Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland and the Vatican City.

What are my obligations?

When does the cover start and end?

Cover starts on the date shown on your schedule and remains in force until you or we cancel of the 3 day duration expires.

When and how do I pay?

There is no charge for Mercedes‑Benz Van First Cover.

How do I cancel the contract?

You can cancel the policy before the driveaway starts or within the 3 day driveaway period before it expires, through your customer account. Cover will cease immediately. You will not be charged a fee to cancel your policy.