If you drive a van that transports goods or passengers, then you'll probably need comprehensive commercial van insurance.
We know that finding the right level of cover isn’t always easy so read on for some answers to the most common questions.
What if I don’t have van insurance?
Van insurance is a legal requirement in order to protect you and other road users in the event of an accident. If you don’t currently have a valid insurance policy for your van then at the very least you could be fined and receive penalty points on your license. At worst, you could be banned from driving, which would have a huge impact on the viability of your business and your future income.
What extras should I look for when insuring my van?
The nature of commercial business varies greatly and what may be appropriate for one van driver, may not quite suit another. Consider whether the following extra features match your circumstances:
• Tools insurance to cover tools of your trade or goods and materials carried in your van
• Legal assistance to cover court costs and damages should the worst happen
• Breakdown cover
• Protected no-claims discount
• European cover, if your work takes you abroad
How can I save money on my van insurance?
• Think about what you need and don’t pay for extra cover that you’ll never use. If don’t plan to travel outside of the UK, don’t get a policy that automatically covers you for European driving.
• Increasing your excess could save pounds on your premium.
• Make sure your vehicle is fitted with an alarm and immobiliser. If you have an approved tracking device fitted, this may also reduce the price of your premiums.
• Declare any no claims discount you’ve accrued; if you’ve driven company or commercial vehicles before then your no claims history will count.
• When the time comes to replace or upgrade your van, or if you’re looking to purchase your first commercial vehicle, choose one with a lower engine size, weight class and market value for the cheapest premiums.
Tailor your van insurance policy today with Policy Expert - read our van insurance guides or get a quote now