Van Insurance

Unfortunately, insurance is a fact of life for a lot of things these days. Van insurance is no exception, and whether you’re using your van for business reasons or simply for pleasure you need to have the right cover in place.

This type of insurance is required for all vehicles weighing up to 3.5 tonnes, often extending to 7.5 tonnes for commercial vans. It’s there to protect all drivers against any financial implications as a result of accidents or injuries when on the road, offering valuable peace of mind both for the driver as well as for other road users.

There are several types of insurance that you’ll need to consider, and the one that you go for will normally depend on your reasons for owning the vehicle in the first place. For example, if you’re going to be the sole driver and aren’t intending to use the van for business then you’ll need insurance that covers you alone for domestic use.

Named drivers will be another possibility or you could have a broader policy that includes all drivers over the age of 25 – ideal for people that run a business and as such may need to use other drivers from time to time. You’ll also need to think about the size of your vehicle and the type of business (if any) that you’re running, as all will have an impact on the type of insurance that you’re looking for.

Then, if you’re using it for business, think about the additional cover that you’ll need. It’s important to remember that van insurance alone won’t cover you for everything so you’ll probably need additional types too such as goods in transit insurance, as while your van policy will cover you for most things it won’t always cover the contents of your vehicle (unless specified as an addition to your policy).

Always get the most comprehensive level of cover that you can and ideally go for the added extras such as breakdown assistance or public liability to be completely prepared. You may think that this type of insurance will be incredibly expensive simply because of all the different factors involved, but if you shop around it doesn’t have to be. Make sure to compare several options and ideally head online to find the best deals, and never sacrifice your level of cover just to get a better price.

So, never underestimate the importance of van insurance if you want to be able to work in confidence. As long as you compare several options you’ll be able to get the right policy to suit your needs, so always spend the time to look and you’ll have no problem finding adequate cover.

• A guide to courier van insurance
• A guide to monthly van insurance
• A guide to young drivers van insurance