Can I claim for damaging my own van?

I have accidently damaged my new VW van while fitting a ply lining kit by using a longer screw than I should and piercing the outer skin in six places. I took the van to be repaired at my local bodyshop but the quality of the repair is very poor, so I took it to a VW Commercial authorised repair centre and they have advised replacing the whole door as an effective repair is not possible. This will have to be done on my Insurance. Will I be covered for costs of replacing the door on my insurance as I am fully comprehensive and have accidental cover?

Asked on 2 October 2025 by Larry Hemmings

Answered by Rhydian Jones

If your policy provides comprehensive cover for accidental damage, the cost of replacing the damaged door may be covered. However, this depends on your policy terms so it’s important to check these thoroughly. Your next steps should be providing the repairers estimate price and sharing photographic evidence of the damage. Your insurer can then assess the claim and confirm whether you need a replacement door. If you’re unsure, speak to your insurer to find the best outcome suited to you.

Tags: vans van insurance

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