Every van insurance policy will have a series of exclusions. As previously mentioned, every customer will be different and as a result it would be impossible for a van insurance company to have a uniform policy that was suitable for everyone. Therefore the van insurance companies will have an all-encompassing policy wording and will list the excluded sections on the schedule. These may include restrictions on where a vehicle is used, what is carried or the extension to drive other cars.
In addition, you will usually find a set of standard exclusions that will apply to all of the van insurance policies sold by a specific insurer. These may include things such as mechanical breakdown, damage caused at airside, theft if the key is left in the vehicle or coverage for non-standard parts fitted to the vehicle.
It is your responsibility to check the exclusions on your van insurance policy and to make sure that you adhere to them. If you are unfortunate enough to be involved in a claim that is listed under the exclusions of your van insurance policy, then you will not receive a pay out and will have to pay for repairs or replacement to your own vehicle.