There’s no denying that insurance is an essential yet often unwelcome purchase. We all resent having to shell out for it, yet it’s something that can be a huge advantage when we come to actually need it. As well as that, it’s a legal requirement, so there’s no getting out of it if you want to drive your vehicle legally. The same certainly applies when it comes to van insurances – a legal necessity that seems to take huge chunks out of our hard-earned cash, but it doesn’t have to be that bad.
Let’s start by looking at what this type of insurance actually is. It covers any vehicle that weighs up to 3.5 tonnes (sometimes extending to 7.5 if it’s a commercial vehicle), and is there to protect your financial interests should an accident occur. There are plenty of options you could go for with third party being the absolute minimum, but if you want to be totally prepared it’s wise to go for a more comprehensive policy.
As well as the specific level of cover that you’re looking for, you also need to consider a number of other factors before you make your decision. Things like whether you’ll be the sole driver will always have an impact on the type of cover that you need, and if you run a commercial business it’s wise to think about additions such as goods in transit cover and breakdown assistance as well.
Because there are so many different things to think about, it makes sense to head to the experts. Always see if they can offer you a bespoke policy that’s been tailored to your needs, and make sure you’re getting the best you can for your money. Above all make sure to shop around, and if you do you’ll be able to find the van insurance that can give you the cover that you need at a price you can afford, and it doesn’t get better than that.