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Finding the right fully comprehensive van insurance will not only save you money, but will also give you peace of mind that you'll be financially safe if you do need to make a claim. Here's how to find the best comprehensive van cover for less.
What is comprehensive van insurance?
There are typically three types of van insurance policy:
- Third party – covers damage to other people and property
- Third party, fire and theft – as above but includes cover for fire damage to your van and for theft of your van
- Comprehensive – as above but also includes cover for damage to your commercial vehicle in an accident that was your fault
Comprehensive insurance ,sometimes called ‘fully comp van insurance’, also typically includes other benefits such as personal effects and windscreen cover.
Important factors to consider when you undertake a van insurance comparison
With dozens of fully comprehensive van insurance policies on the market, comparing them can be tricky. So, when you’re undertaking a van insurance comparison make sure you take these factors into account:
- Is there a maximum weight for the vehicle?
- Is there a maximum value for the vehicle?
- Is there an extra charge for paying by direct debit?
- Will the insurer accept any no-claims bonus that you have?
- Is replacement vehicle cover included? (will the insurer provide you with a replacement vehicle while yours is off the road after an accident?)
- Is European cover included?
- Are extras like breakdown cover provided?
- Do you get legal expenses cover?
If you shop around, the cost of fully comprehensive van insurance is not much more than third party insurance and you’ll benefit from better cover. For this reason it’s always worth obtaining a price for both types of cover before you buy.
Finding cheap van insurance quotes online
When you're looking for cheap van insurance quotes making a van insurance comparison is a must. Compare the price and quality of van cover from as many van insurers as possible and choose the policy that gives you the van cover you need for the lowest cost.
Don't simply pick a fully comp van insurance policy on the basis of price, as you may find that you're caught out if you need to make a claim.
Instead look at what's covered by each of the cheap van insurance quotes you get for your van and check the cover provided to ensure that the policy you choose covers you for all the appropriate risks.
