Before you get behind the wheel it’s vital you have suitable van insurance – but if you only want cover for a short time are you resigned to paying a high price? Here’s how to find cheap comprehensive temporary van insurance cover.
If you are looking for short term van insurance taking the time to compare the numerous temp van insurance deals on the market is a must if you don’t want to pay over the odds for your cover.
Here’s how to compare temp cover van insurance to find the best policy for your circumstances.
How long do you need to be covered?
If you need to be insured to drive a van for a short time period, be it a day, a week, fortnight or a month, getting suitable insurance in place for the duration you’re behind the wheel is a legal obligation.
Cheap temporary van insurance UK deals are ideal if you are looking for cover of anything between a single day and up to a month. If you need cover for a longer time period you may need to look for a standard van insurance policy.
Will you qualify for cover?
Due to their temporary nature many shot term van insurance cover policies will place certain restrictions on the drivers they will cover.
The main restriction usually relates to the age of the driver, with younger drivers often finding it harder to find the cheap van insurance cover they need.
However, there are still a number of temporary van insurance under 25 policies and temporary van insurance under 21 policies that will extend short term cover to young drivers.
If you are a young driver you will need to exclude all the different temp cover van insurance deals that you don’t qualify for before you start to compare different levels of cover.
Compare insurance cover
After excluding short term van insurance cover deals that you aren't eligible for, you can start to compare the different levels of cover on offer.
As with any type of insurance policy, a temporary van insurance deal will come with an excess that you would be expected to pay should you need to make a claim.
You will also need to check the weight of the van you need cover for. Most temporary policies will cover vans up to 3.5 tonnes making them suitable for the majority of vehicles, but it is still worthwhile to check that your van doesn’t exceed the stated maximum weight.
It also makes sense to check the maximum value of cover on offer from each policy, especially if you plan to transport valuable items.
The amount of cover you get should be enough to cover the value of the van and any goods you plan to carry.
The extent of the cover available from temp cover van insurance providers varies from a £25,000 maximum to an unlimited amount, so make sure each policy you get a quote for offers a sufficient level of financial protection for your needs.
