All You Need to Know About Van Insurance
Why van insurance? If you drive or are about to start driving a van then getting the right kind of van insurance is important.
Van insurance isn't an option - it's a necessity; failure to take the appropriate cover is actually a criminal offense.
The last thing you need are fines, penalty points or worse to a third party.
More than simply a legal obligation, van insurance is also a moral obligation.
Just imagination the implications if you were to cause injury or worse and were uninsured.
It wouldn't simply be you and your future in jeopardy.
Other people's wellbeing, their lives and livelihoods are at stake when you take a vehicle to the road.
As well as cover in the possible event of an accident and/or injury your insurance can also cover the vehicle itself and the contents.
If you are serious about your business then you would be wise to do your utmost in safeguarding your assets too.
Any insurance needs to be taken seriously and it's not something that you should take lightly or take risks with.
It's there to protect you and you'll never be more grateful for taking the time and trouble to source the right sort of insurance than if you are ever unfortunate enough to call it into action.
Don't take chances - take advice and get covered properly.
What to consider The first thing you need to do is to ask yourself a few simple questions.
For example, do you want third party? Do you want a broader type of cover such as third party, fire and theft or would you prefer a fully comprehensive policy? What about the excess? If you have a limited budget or are a brand new business for example and require a cheap van insurance or commercial vehicle insurance then consider third party insurance.
Third party is the minimum of your legal requirement and the only things it will cover you for are damage to another vehicle, another property or person.
The damage to or theft of your van is excluded - hence the term third party.
Third party insurance might be the way forward to begin with if you simply cannot afford to take out any greater cover but it's not normally available for vehicles over a certain value.
Third party, fire and theft insurance takes your cover up a grade and also compensates you should your van be damaged by fire or be stolen.
Fully comprehensive van insurance is the least cheap van insurance as it included third party, fire and theft AND the repair of your van if it is damaged in an accident.
It will also generally include a range of additional benefits such as medical and legal cover, vehicle replacement whilst your van is out of action and cover for personal contents.
Van insurance excess The excess is the first part of any claim that insurance companies will expect you to pay.
Generally, the higher the excess is the cheaper the van insurance.
You need to weigh up your options and balance the risk when you source a quote.
Van insurance isn't an option - it's a necessity; failure to take the appropriate cover is actually a criminal offense.
The last thing you need are fines, penalty points or worse to a third party.
More than simply a legal obligation, van insurance is also a moral obligation.
Just imagination the implications if you were to cause injury or worse and were uninsured.
It wouldn't simply be you and your future in jeopardy.
Other people's wellbeing, their lives and livelihoods are at stake when you take a vehicle to the road.
As well as cover in the possible event of an accident and/or injury your insurance can also cover the vehicle itself and the contents.
If you are serious about your business then you would be wise to do your utmost in safeguarding your assets too.
Any insurance needs to be taken seriously and it's not something that you should take lightly or take risks with.
It's there to protect you and you'll never be more grateful for taking the time and trouble to source the right sort of insurance than if you are ever unfortunate enough to call it into action.
Don't take chances - take advice and get covered properly.
What to consider The first thing you need to do is to ask yourself a few simple questions.
For example, do you want third party? Do you want a broader type of cover such as third party, fire and theft or would you prefer a fully comprehensive policy? What about the excess? If you have a limited budget or are a brand new business for example and require a cheap van insurance or commercial vehicle insurance then consider third party insurance.
Third party is the minimum of your legal requirement and the only things it will cover you for are damage to another vehicle, another property or person.
The damage to or theft of your van is excluded - hence the term third party.
Third party insurance might be the way forward to begin with if you simply cannot afford to take out any greater cover but it's not normally available for vehicles over a certain value.
Third party, fire and theft insurance takes your cover up a grade and also compensates you should your van be damaged by fire or be stolen.
Fully comprehensive van insurance is the least cheap van insurance as it included third party, fire and theft AND the repair of your van if it is damaged in an accident.
It will also generally include a range of additional benefits such as medical and legal cover, vehicle replacement whilst your van is out of action and cover for personal contents.
Van insurance excess The excess is the first part of any claim that insurance companies will expect you to pay.
Generally, the higher the excess is the cheaper the van insurance.
You need to weigh up your options and balance the risk when you source a quote.
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