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Van insurance is a type of insurance that covers you against a number of different risks relating to your van in a similar way that car insurance covers cars. It can be useful as vans aren’t generally covered by car insurance policies, especially if you use your van for commercial or business reasons.
Van insurance will cover third-party costs if you cause an accident and could help you pay for repairs to your van. It might also pay out if you top up with the wrong fuel, or even if you lose your keys, depending on the policies you take out.
The type of van insurance you should take out will depend on the type of van you have, what you use it for, and what you need from your policy. For example, when you choose your level of cover you can pick:
Once you’ve decided this, then you should consider what you use the van for:
Standard cover
Standard van insurance generally provides basic cover for your van, however it can also include contents cover for belongings you keep in the van.
Courier cover
Courier cover is for vans used to carry and deliver other peoples’ goods. The policy reflects the extended amount of time the van is on the road, but doesn’t usually cover the goods themselves
Goods cover
A goods-in-transit policy will cover the items or cargo you’re transporting. However, you’ll be required to tell your insurer about the items, especially if they’re valuable or dangerous. You can only carry the type of goods your insurer has agreed to cover.
You can insurer your own goods or tools (carriage of own goods) or delivering for someone else (a haulage or hire and reward policy), providing you have explained that to your insurer. Get more information on business van insurance.
Pick-up cover
Pick-up trucks aren’t covered by car insurance, but they can come under van insurance with pick-up truck cover.
There are a few things you should keep an eye out for when taking out a van insurance policy so you can save some money, such as:
Getting a cheaper quote for van insurance is easy when you compare deals on MoneySuperMarket. All you need to do is answer a few questions about your van, what you’ll be using it for, and the type of cover you need, and you’ll be given a selection of quotes tailored specifically to you.
You’ll be able to browse the different deals available until you find one that offers the best value, then you can click through to the provider and finalise the deal.
However, you should remember that the cheapest quote isn’t always the right one – ideally you want to aim for a good balance between the level of cover you get and the price you pay for it.
This way you can avoid under-insuring yourself just to save extra money as well as over-insuring yourself and paying for policies you don’t really need.
Insuring your vehicle is a legal requirement no matter what kind of vehicle you have, as long as you intend on using it on the road. As vans won’t generally be covered by car insurance, it’s likely you’ll need to take out a van insurance policy to get cover.
In most cases you’ll have to be 21 to qualify for van insurance, though you may be able to add extra drivers as long as they’re over 18.
Many insurers offer multi-van policies that let you add cover for more vehicles, and this can often be a cheaper option than insuring each van under its own policy. Learn more with our guide to multi-van insurance.
You’ll also be able to include additional drivers in your policy, though the specific details of the cover you can get will depend on the provider you go to.
Some van insurance providers offer policies that give you and your van cover when you’re abroad, though the list of countries covered is likely to vary between providers.
Taking out van insurance for commercial use means you’ll be covered when you use the van for business purposes, such as carrying goods or making deliveries. With private use insurance you’ll only be covered when you use the van in social situations.
Many commercial van insurance policies also include cover for business abroad, however you should check whether this is as standard or as an additional policy. You should also make sure what countries are covered, as you may require an extra level of cover for countries outside of the EU.
If the van is owned by your business then it can be insured under your business’s name.
If you need to make a claim on your van insurance, you should call your insurer as soon as possible and let them know. You should also have a claim form, though you can request one from your insurer if not, which you fill in with the details of your claim.
A no claims discount (NCD) or bonus is when your insurer gives you a reduced premium price as a result of you not having made an insurance claim for a long while. This normally applies to one vehicle, so if you replace your car with van you might be able to transfer your NCD.
If your van is an additional vehicle you’re unlikely to be able to transfer a no-claims discount from your car insurance to your van.
Yes. If you get into an accident and you decide not to claim on your insurance, it’s a good idea to still let them know what happened so they can keep their records in line with yours.
Legal cover can be an important part of any insurance policy, but if you’re driving a van – especially for commercial reasons – you’re likely to be responsible for a number of things.
Depending on your provider and level of cover, you may be able to get a courtesy car if your van is out of action – thought it’s likely to be a small hatchback.
Alternatively you may be able to get replacement vehicle cover, which would mean you’re given a van suitable for your needs as a temporary replacement while yours is repaired. However you may only qualify for a courtesy car or replacement van if the accident wasn’t your fault.
It is a legal requirement to have van insurance, and cover must be in place all year round under the Continuous Insurance Enforcement regulations. Even if your van is idle in a yard for weeks or even months on end, it must be insured. The only exception is if you get a Statutory Off-Road Notice (SORN) from the DVLA.
There are three levels of cover: third party only; third party fire & theft; fully comprehensive.
The first covers your legal liabilities to other road-users and any passengers. The second upgrades this to include certain damage to the vehicle and its being stolen. The third provides the most complete protection if your van is damaged in an accident, stolen or vandalised.
In just a few clicks MoneySuperMarket can compare a range of quotes from some of the UK’s leading insurance providers to ensure that you find a policy that is right for you.
And remember, it’s not just about finding the cheapest van insurance quotes, it’s also about finding the right level of cover to match your requirements.
That is why our comparison service allows you to tailor your cover to suit your specific needs. For instance, if you keep tools in your van you’ll need to cover them under the terms of your policy, or you may need additional cover that insures goods in transit if you operate a courier service.
You can add or remove optional extras at any time but remember that getting the right level of cover is more important than simply finding the cheapest van insurance quote.
So compare van insurance quotes now to get the perfect policy at the right price.
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