Vans require specialised insurance due to not often being covered under standard car insurance due to their size and how they are often used.
If you drive a van as a part of your business, it’s likely that this will be classed as a ‘commercial use’ vehicle, which means you are required to have commercial van insurance in place.
A standard motor insurance policy only covers vehicles for social use and commuting to one place. If you use your van to travel around various different locations for jobs, visit customers or transport employees, you won’t get the level of protection you need from standard insurance.
Despite it offering more protection than standard cover, your van insurance can still be taken out based on the three levels of cover you would expect from car insurance. These are; third party, third party, fire and theft and comprehensive.
Cover features include:
◐ Courier & Haulage Cover
◐ Public Liability
◐ Tools and Equipment in Transit
◐ Goods in transit
◐ Pick up Truck Cover
◐ Multiple Drivers
◐ Loss/Theft of Keys
If you often drive outside of the UK, your policy can be tailored to apply throughout the EU, and we can even extend this to your breakdown cover if required. Alongside this, there are plenty of other optional features available; we’ll work with you to establish which of these may be beneficial and incorporate your chosen features into your cover.
If you need to insure multiple vans, it’s worth considering Fleet Insurance. This allows you to cover multiple vehicles under a sole policy, saving you time on admin and paperwork.