If you run your own business, your wheels are crucial get the job done. With a tailored van insurance policy, you can help look after your vehicle and its contents at a price you can afford.
Size Matters
When shopping for van insurance, it’s worth knowing that the size and model makes a big difference to the price of your annual premium. It might sound obvious but vans with the lowest engine size, weight class and market value are cheaper to insure - mainly because they are less desirable to thieves, less likely to be travelling at high speed and pose less of a risk to the underwriter in general.
What’s inside?
The kind of work you do will dictate the premium you pay for your van insurance. Do you carry valuable or hazardous cargo? Do you work with expensive tools and materials? Do you empty the van at the end of the day? If your daily work involves the use of hire tools or your own equipment then you can extend your cover to protect the contents of your van. This way, you can replace the tools of your trade and continue working should the worst should happen.
Comprehensive or Third Party?
Third Party insurance protects you against damage to third party property and injury or death of any other party involved caused by you or your van. Be aware that this is the most basic type of cover and does not protect your van in case of damage or destruction, or your personal injury.
Third Party, Fire and Theft offers the same protection as above but you’ll also be covered for the theft of your van and damage or destruction caused by fire. Some insurers may also cover the contents of your van under the terms of the policy but do check the small print.
Comprehensive policies offer the best insurance cover for vans and protect you for fire, theft, accidental damage and acts of vandalism. Some business policies can also cover the contents but not all insurance providers offer this as standard – check the policy documents before you sign up.
Extras
Look out for policies that offer extra cover such as tools cover, breakdown protection, overseas driving cover, and protection for goods in transit.
Tailor your van insurance policy today with Policy Expert - read our van insurance guides or get a quote now.