Van Insurance covers vans used for commercial purposes, for instance, for transporting
goods from one destination to another. Many policies will require you to state the weight of the van as well as to choose
whether cover is for the UK or is also to cover the rest of Europe. Normally, insurers will only provide van insurance for
vans which carry less than 4 passengers and weigh less than 3.5 tonnes in Gross Vehicle Weight.
In order to qualify for van insurance, most insurers will insist that the main driver
is at least 21 of age and in possession of a full UK licence for at least 1 year.
Before deciding which level of cover will best suit your business needs, you need to be aware of the
type of van you are driving. Choosing the wrong type of van may invalidate any claims you may make. The main van categories
are Large Van, Medium or Panel Vans, Small or Light Vans, Micro or Small Vans and, Double Cab or Pick-up.
Not all insurers cover every van type.
Third Party Only - Third
Party cover represents a basic type of protection and tends to be the least expensive cover you can find on the market for
your van. With a third party only van insurance policy, most insurers will offer the following as standard Unlimited cover
for causing accidental injury or death to other people, Specified cover for accidental damage to other people’s
property and Emergency treatment for injuries arising out of the use of the van.
Third Party with Fire and Theft - Cover for Third Party with Fire and Theft is essentially the same policy
as Third Party except that it provides additional cover in the event of fire to your van and theft of your van.
Comprehensive - Comprehensive cover is of course the most extensive type of policy which
covers all the above including the loss or damage to your van. Comprehensive cover will compensate you for personal injury
as well. Certain insurance companies will provide cover for the contents of the van including audio equipment. A good level
of comprehensive coverage will include cover for a new van, windscreen and repairs cover and compensation for lost, damaged
or stolen tools in transit.
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AA
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With the AA you can get the best price from a panel of over 10 insurers and up
to 60% introductory no-claims discount.
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eVan
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They offer van insurance at competitive prices to suit your individual needs and selecting
the right cover couldn't be easier. As well as their Standard Annual Policy, they offer a flexible Pay As You Go Monthly
Policy and you can even add Multiple Vans and Drivers to a single policy.
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Read and understand all terms and conditions carefully before agreeing to buy any type
of van insurance and remember that the cost of not buying the right van insurance can prove more costly in the long run.
