Questions you need to ask when choosing an insurance policy to protect your van.
When looking for van insurance, most of us tend to focus on finding the cheapest van insurance available, without considering the policy details. However, the level of cover does vary from policy to policy, so it is worth checking what you're getting for your money.
Below is a list of questions you may want to ask when deciding which van insurance policy to take:
No Claims Bonus Protection
Are you able to protect your existing No Claims Bonus? If so, what are the terms? i.e. how many claims can be made before you would lose your No Claims Bonus, and over what period?
Free Replacement Car
Is a replacement van provided if your van is being repaired following an accident?
Claim Procedure
Are you able to make a claim over the Internet or by telephone? Can claims be automatically approved during a phone call?
Windscreen Cover
Will the windows in your car be replaced if damaged? If so, does this affect your No Claims Bonus and is there an excess cost charged?
Stereo Equipment
Is stero equipment covered? If so, what is the maximum that can be claimed and is there an excess cost charged?
Excess
What is the excess charged when you make a claim? Are you able to increase your excess in order to reduce the premium?
Legal Expense Cover
Can you increase your premium in order to insure against the cost of taking legal action following an accident?
Overseas Cover
Are you covered for driving your van abroad? If so, how many days are covered?
