How to choose value for money van insurance.
Driving a van in the UK without appropriate cover is illegal and leaves you liable for any damage caused to property and people. Specialist van insurers are able to tailor cover to meet your exact requirements so whether your van is used for domestic or business purposes, there will be a policy to suit.
The majority of van insurance providers offer different levels of cover for private, sole trader and business van usage. As with car insurance, different policy types are available, namely 3rd party, 3rd party, fire and theft and comprehensive cover.
For business users, policies are available whereby the van is insured instead of a specific person, allowing any number of authorised drivers to use the vehicle. Alternatively employees who are likely to use the van can be named on the policy; this often attracts a discount.
Depending on the way in which your van is used, it may be worth opting for some of the add-ons offered by van insurance providers to ensure that you and anyone that uses your van are fully protected.
Most van insurers include cover for windscreens, tools, van fixtures, locks, keys and audio equipment as standard in a comprehensive policy, however these are usually available as add-ons to lower cover levels if required. Additionally, breakdown cover can be included as can legal expenses insurance.
If you are likely to use your van on the continent, extensions are usually available so that your level of cover whilst abroad would be equivalent to that in the UK.
When obtaining quotations for van insurance, it is worth checking whether the company places any limitations on the maximum weight or engine size of vans insured or whether any restrictions are placed on usage, i.e. solely for business or solely for domestic purposes. Additionally, if you have more than 1 van, check whether an insurer offers multi-vehicle discounts.
By obtaining comprehensive van insurance from a specialist provider, you can be sure that you, your vehicle and even your business will be financially protected should the unexpected occur.
