VAN INSURANCE MADE EASY
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WHAT IS VAN INSURANCE?
If you drive a vehicle in the UK then it is a legal requirement to have insurance. Like car insurance, van insurance can protect you and your vehicle against the cost of potential accident and damage.
Van drivers especially need the right insurance package for added peace of mind against potential financial and business loss. Van insurance can be personalised by opting for extra cover policies, which include protection for your cargo and equipment.
TYPES OF VAN INSURANCE
Choosing the correct insurance is crucial to ensure that you have the right type of cover for your circumstances. Firstly, you need to decide how you use your van and the purpose of it. Is it for private or commercial use? Business or pleasure? Next, decide which insurance package best suits your circumstances.
Social, domestic & pleasure
This is the package for you if your van is used for activities such as shopping, going on holiday and for hobbies such as mountain biking or surfing.
This insurance does not cover the commute to and from a place of work.
Carriage of own goods
This is the ideal insurance for a local tradesperson. Somebody who uses their van for work and transporting tools.
You might want to consider taking out additional tool theft insurance as well.
Courier
This is the best insurance if you are a delivery driver as it covers the cargo if it is lost, damaged or stolen: referred to as a ‘goods in transit policy’.
Haulier
If you are delivering goods a long distance, normally to one destination, this is the insurance you will need. It benefits those who are at a greater risk from spending longer on the roads.
It might be worth checking out insurance to cover goods in transit too.
TYPES OF COVER
There are three levels of van insurance to choose from. Legally, you only need to have third party cover, however, this level of insurance cover won't offer you, or your van, any protection.
Compare different types of cover to find the level of protection that you feel most comfortable with for you and your business.
Third Party Only
Advantages
- Usually the cheapest type of insurance
- Covers all third parties in the event of damage, injury or loss of life due to accident
Disadvantages
- This type of insurance is not recommended for business and commercial use as it is very limited
- If you are at fault your van is not covered
- Not covered if your van is stolen
- No protection from damage caused by fire
Third Party, Fire & Theft
Advantages
- Covers all third parties in the event of damage, injury or loss of life due to accident
- You are covered if your van is stolen
- Covered from damage caused by fire
Disadvantages
- If you are at fault your van is not covered so you won’t be offered repairs or a replacement vehicle
Fully Comprehensive
Advantages
- Recommended insurance for commercial van users as it provides more cover
- You are covered if your van is stolen
- Covered from damage caused by fire
- If you have an accident your van will be repaired or replaced regardless of who is at fault
Disadvantages
Get a range of insurance quotes below in just 3 minutes and find your right insurance type.
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WHY CHOOSE TO COMPARE VAN INSURANCE WITH US?
Choosing van insurance can be tiresome and costly, so we have teamed up with a leading insurance broker to make the job quick and simple.
From the comfort of your own home you can search over 30 insurance quotes that you won’t find on any other comparison sites in 3 minutes.
Once you have your van insurance quotes, you have around the clock access to your portal putting you in control of accessing saved quotes, making any amendments and making comparisons. If at any point you would prefer to speak to somebody directly, there is a customer support team based in the UK to offer friendly advice.