Van Insurance - UK-Money.com

Don’t lose your livelihood, get van insurance

As with a car, it is illegal to drive a van without insurance on Britain’s roads. Most vans are used by small businesses and some van drivers could even say that they run their business from a van. You only have to think about the number of plumbers or electricians racing about town on any given day to realise this. Amazingly enough, 1/3 of UK van drivers have admitted to driving without insurance, in comparison to 13% of car owners. You have to ask the question why as without a van this could potentially be very harmful to business, especially if all the tools are stolen as well as the commercial van itself.

Vehicle theft and break-ins are all too common in today’s society. Thieves are particularly attracted to vans especially when it’s obvious that they are commercial vehicles. Not only can the thief drive away with an expensive van, they can also cash in on thousands of pounds worth of equipment such as building tools that are stored in the back of the van.

Just imagine if you have loaded your van up with all your essential tools for today’s jobs and hit the road with a spring in your step. You carry out the first job and when you head back to your van all you find is an empty parking spot where it once stood. Not only has your business asset been taken, all of your essential tools of the trade have been taken too. If you had to cover the cost of replacing the van, this could force your business to shut down. With van insurance, this potentially expensive cost would be covered. There are lots of other benefits to van insurance, which depends on the type of van insurance you choose.

What vehicles can you insure using van insurance?

Everyone knows that people use their vans for different things. Some people find a van an essential part of their business; others prefer to have a personal van rather than a car. Whatever you use your van for there is always insurance available to cover it. Types of vehicles that can be insured using van insurance include:

1. Commercial van insurance.

2. Camper van insurance.

3. Personal van insurance.

Not all insurers will offer policies to cover all of the above. The most popular product offerings are for commercial vans but you will be able to find insurance companies that offer the product you require; it could just take a little bit more research than it would do for car insurance.

What types of van insurance are available?

Generally van insurance is available for vehicles under 3.5 tonnes. Insurers will offer the following policies which offer similar benefits to car insurance:

1. Third party van insurance – this only covers your liability to others, not your van or yourself. This is the minimum legal requirement for motor insurance.

2. Third party fire and theft van insurance - third party fire and theft covers your liability to others in the event of an accident, if your van is stolen or if your van catches fire.

3. Comprehensive van insurance - comprehensive van insurance is known as an all risks policy, which means you can claim for any damage caused to others, their vehicle, your van or yourself. There are always exclusions and these can be found in the small print and in any policy document of the insurance provider.

Where can you get van insurance from?

As with car insurance, there are a range of reputable insurers that offer you the chance to quote and buy online. You only have to type in van insurance on any search engine and a vast array of choices will be made available to you.

Van insurance online is not quite as prevalent yet. As most people that use vans are using them for commercial purposes this is considered as a form of commercial insurance, which lags behind personal lines products on the Internet front.

If you find that Internet resources do not satisfy your quest for commercial van insurance, private van insurance or camper van insurance you would do best to approach a range of brokers. Brokers are insurance specialists and can advise you on the most suitable cover available.