Your Van Insurance Guide

Price is the main consideration in most van owners' minds when they set out to find insurance. But you also have to make sure that the policy you choose covers all of your needs. Some policies, for example, will not insure against breakdown, and you'll often need to pay extra for this increased level of coverage.

Remember that vans are typically used more heavily than cars, and so they face an increased chance of breakdown. If your van is for business use you'll want it back on the road as quickly as possible, so the increased cost of breakdown cover may be worthwhile for you. You should also look out for insurers that offer you a replacement vehicle as standard, so that you can get on with business as usual with the minimum amount of disruption to your company.

Always check the level of excess offered by each policy you look at. The standard is usually a minimum compulsory excess of ?100. You can of course increase this excess in order to save on your premium costs, but make sure this amount is realistically affordable to you ? you don't want to be caught out at claim time.

Did you know that your car insurance no claims bonus can play in your favour when it comes to van cover? Many van owners are unaware that their previous clean insurance record pertaining to their car can often be matched by their van insurer.

Vans are most often used in a business capacity, with vans being used to transport goods of all kinds across the country at all hours of the day and night. Should an accident happen, you want to be able to sort the situation out speedily, receive your claim, and get back on the road as soon as possible. Look out for van insurers like Auto Direct* who offer 24 hour claims helplines as these can save you valuable time, as well as offering you greater peace of mind.

Bear in mind the value of any tools or equipment transported in your van. Some insurers will not include these items in their standard policies, and you may have to take out an additional 'goods in transit' policy to ensure that these are covered too.

By: Jessie Scutt

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