Who we are
Vancova is a trading style of PJG Financial Limited.
PJG Financial Limited is registered in Scotland, company number SC535782. Our registered office is 5 South Charlotte Street, Edinburgh EH2 4AN.
PJG Financial Limited is authorised and regulated by the Financial Conduct Authority, Firm Reference Number (FRN) 919697. For insurance, its permission covers introductions only.
PJG Financial Limited is registered with the Information Commission's Office (ICO), registration number ZB537016.
You can check the entry for PJG Financial Limited on the Financial Services Register.
Who the website is for
The website is for people in the UK looking for van insurance. This includes people who use a van for personal journeys, sole traders, tradespeople, couriers and carriers, and businesses running fleets.
You must be 17 or over to use the quote form.
Please read these terms alongside our privacy policy and cookie policy.
How our service works
Use our quote form to tell us about your van insurance needs. It asks one question per screen. When you submit it, we pass your details to our FCA-authorised partner so it can contact you about a quote.
Our role is to make the introduction. Our partner provides the quote, explains the cover and arranges any policy you choose. Any advice or personal recommendation comes from our partner.
Our partner explains the scope and basis of its service, including whether it gives advice. Make sure you understand its service and any terms or charges before deciding to proceed.
Quotes and insurance cover
Submitting the form doesn't put insurance cover in place. A quote isn't cover.
Quotes, prices and cover depend on your details and the insurer's terms. Our partner or the insurer makes any decision about acceptance.
Read the quote and policy documents carefully. Ask our partner about anything you don't understand. Confirm with our partner or the insurer that your policy is in place and when cover starts before relying on it.
Information on the website
Website information is general. It isn't advice or a personal recommendation.
We aim to keep information clear and accurate. Insurance products, prices and terms can change. Check the current details with our partner before making a decision.
Your responsibilities
Take care to give accurate and complete answers to the questions in the quote form. Check your answers before submitting them. This includes details about the van, its use and the drivers.
Tell us if you spot an error after submitting the form. Check the information you give our partner and tell it about any errors or relevant changes. Incorrect or incomplete information may affect a quote, cover or a claim.
Use the website lawfully. You must not misuse forms, submit deliberately misleading enquiries, introduce harmful material or attempt unauthorised access.
Your choice
Submitting the form doesn't commit you to buying insurance. You can consider any quote from our partner and decide whether to proceed.
How we are paid
You pay Vancova nothing for using the website or requesting an introduction. Our partner pays PJG Financial Limited a fee for introductions.
Any insurance premium is paid to, or under arrangements explained by, our partner or the insurer. We don't collect premiums or handle client money. Our partner explains any charges for its own service.
Read how we make money for more information.
Website content and availability
You may use the website for your own lawful personal or business purposes. You must respect intellectual property rights when copying or reusing its content.
We may update, change, suspend or withdraw parts of the website when needed. Access may be interrupted by maintenance or technical problems.
Links to other websites
Other websites linked from this site are operated independently. Their own terms and privacy notices apply when you use them.
Responsibility and liability
We are responsible for our introduction service. Our partner is responsible for the quotes, explanations, any advice and arrangements it provides. The insurer is responsible for the insurance cover it provides.
Nothing in these terms excludes or limits liability where doing so would be unlawful. This includes liability for fraud and for death or personal injury caused by negligence. These terms preserve our legal and regulatory duties and any rights that cannot lawfully be excluded.
Financial Services Compensation Scheme
Our partner or the insurer can tell you whether the Financial Services Compensation Scheme applies to a policy.
Complaints
If you're unhappy with our service, see our complaints procedure.
Changes to these terms
We may update these terms as the website or service changes. The current version will be published on this page.
Governing law
These terms are governed by Scots law. If you're a consumer living elsewhere in the UK, you also keep any mandatory protections provided by the law where you live.
Contact us
Email hello@vancova.co.uk or write to PJG Financial Limited, 5 South Charlotte Street, Edinburgh EH2 4AN.