Van Insurance
Van insurance is a contract between you and the insurer, specifying each party’s rights and obligations. If your business relies on its vans, you need to be able to rely on your van insurance. Finding the right van insurance can be a long and stressful process, what with phoning round different insurance brokers and companies and completing numerous online forms. Looking for insurance can be a time intensive task, and we understand that time invariably costs money
Whatever type of van or commercial vehicle you own or are looking to purchase, it’s important that you get the best cover to suit both your budget and requirements. However careful van drivers you are, accidents can still occur.
When a traffic accident happens, damage, injuries, loss or all of these factors may be inflicted upon you and others. Damage and loss of your property may also occur. Fire, theft, vandalism and natural disasters are other possible risks.
Van insurance is designed to protect yourself and others against these risks. It provides financial cover and can also offer other services
If you drive a courier van you’ll know how difficult it is to find affordable insurance. Insurance companies either aren’t interested or charge sky-high premiums. After all, if you spend all day on the road; surely you must represent a greater risk?
Most van owners are self-employed and rely heavily on their vehicle for their income. They want to keep the vehicle on the road whatever happens – if their van is out of action their business stops, so good cover is essential.
In the UK you must by law have a minimum amount of cover in order to drive on the road with your van. You must insure third parties for accidental death or injury arising from use of the vehicle. This is known as third party insurance and will only cover your vehicle for third party damage and not if the van is stolen or is maliciously or accidentally damaged. In order to cover your van for theft and accidental damage you will need to increase the level of cover you require from third party only to third party fire & theft or comprehensive insurance. The majority of insurers offer you a replacement vehicle in the event of a non-fault accident,
The benefits of our van insurance can include immediate cover, flexible payment terms, breakdown cover and courtesy car, legal cover, repayment protection, windscreen cover, goods in transit cover, public liability cover, special rates for drivers with claims or convictions and protected no claim bonus for drivers without claims.
Often your van insurance policy will not cover tools and goods whilst in the vehicle so either makes sure you unload the van overnight or take out separate insurance for these.