Rules and law
Impounded van insurance in the UK: a comprehensive overview
An overview of impounded van insurance in the UK: why vans are seized, what this short-term cover usually includes and what you need to get a van released.
Impounded van insurance is a specialist short-term product for people in the UK whose van has been seized by the authorities. It gives the owner temporary cover so they can meet the requirements for getting the van released. This overview explains its purpose, what it covers and how to get it.
Reasons for van impoundment
The main reason vans are seized is uninsured driving. According to GOV.UK, the police can seize, and in some cases destroy, a vehicle that is being driven without insurance. The driver can also face a £300 fixed penalty and 6 penalty points, or an unlimited fine and disqualification if the case goes to court.
Vans can also be seized for other reasons, such as being driven by someone without a valid driving licence.
Understanding impounded van insurance
Impounded van insurance is a temporary policy that lets you prove to the pound that the van is properly insured, so it can be released and driven away. You will usually also need proof of ownership and a valid driving licence, and you will normally have to pay release and storage fees. The pound or the police force that seized the van can tell you exactly what it needs, as some only accept policies that meet particular conditions.
What impounded van insurance covers
Cover varies, but it generally includes:
- Third party only cover: protection against damage to other people's property and injuries to others caused by the insured van.
- Short-term cover: the policy runs for a limited period, giving you time to collect the van and arrange longer-term insurance.
The policy meets the legal minimum for insurance only. It does not cover other requirements for using the van on the road, such as vehicle tax or an MOT.
Getting impounded van insurance
You will usually need details of the seizure, such as where the van is held and the reference number, along with details of the van and driver. Specialist insurers and brokers offer this kind of policy. Read what is and isn't covered before you buy.
Getting your van back on the road
Once your van is released, you will need ongoing cover that suits how you use it, especially if it is used for work. Business use and carrying goods for payment each need the right type of policy.
Conclusion
Impounded van insurance helps owners whose vans have been seized meet the requirements for release. Knowing what the pound needs and what the policy covers can make the process smoother.
Kompare doesn't currently offer quotes for impounded van insurance. For longer-term cover once your van is back, see van insurance or courier insurance, or read how we work.