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Van Insurance

Distinguishing between standard car insurance and van specific insurance is important when you come to purchase a policy. Without the correct cover for the specific vehicle you drive, your policy may be invalid. So what separates the two? – if you have a look at the manufacturer’s specifications of your vehicle, this should tell you if it’s classed as a car or a van. If the brochure describes it as a commercial or business use vehicle then you know that it’ll be classed as a van for insurance purposes. Your vehicle log book should also state the classification, and if your vehicle category is listed as either N1 or N2 then your vehicle is a van and you’ll need to arrange the appropriate Insurance cover. An insurance provider can also check on your behalf to see if your vehicle is categorised correctly.

Van Insurance UK

Insurance is a legal requirement if you’re using a van on the road. Having specific van cover for the whole period that you own the vehicle is mandatory by insurance enforcement regulation. Even if your van is not in use and is parked idle in your driveway, legally it still must be insured. The only exception to this is if you’ve sought a statutory notice from DVLA (SORN). So if it’s a transit, a crew cab, a pick-up or a tipper that you drive, you’ll need to arrange van insurance, UK to drive your vehicle legally and with the peace of mind that you are properly insured.

Frequently Asked Questions

What are the different types of Van Cover?

Comprehensive cover – This is one of the highest levels of insurance policy and covers everything including third party liabilities, fire and theft as well as damage to your van.

Third party only – Is the minimum level of cover required by law in the UK. This policy pays only for third party injuries and damages to vehicles, their passengers and their property. It does not cover injuries to you or damages to your van, or if your van is stolen or destroyed by fire.

Third party, fire and theft – In addition to third party injuries and damages, this policy compensates if your van is stolen or destroyed by fire.

Which additional insurance products can I purchase?

Breakdown Cover –  As with any breakdown, having your van breakdown can be more than just an inconvenience. You might miss out on work that you could be undertaking.  Breakdown cover for Van insurance, UK will get you back up and running again, with minimum disruption to your business.

Legal Cover – This insurance add-on covers you against any potential costs brought about by a third party taking legal action against you.

Public Liability insurance – This cover protects you if a member of the public is injured or has their property damaged due to your actions.

Employers liability insurance – This insurance is one of the main forms of business insurance and employers are legally bound to take out this policy. It covers any compensation costs or legal fees for any claims of negligence made against employees, or by employees.

Tool insurance – This policy covers any tools you keep in your van against theft. It not only protects your tools in the event of a burglary, but also covers their cost if they are destroyed in an accident. However, you must take precautions such as locking all doors and windows of your van, not leaving the keys in the van and fitting an alarm.

How can I find cheap van insurance?

Cheap van insurance is readily available if you know where to look. Compare van insurance quotes with a number of insurance providers to find cheap van insurance. Buying directly from a provider is usually more expensive. You may also consider the following points to help you with your cheap van insurance;

  • Safe parking: Vans that are safely parked in a garage or on a driveway are at lower risk of being damaged or stolen. This could help make your cheap van insurance even cheaper.
  • Installing an alarm: Installing an alarm or other security features such as an engine immobiliser could help you compare van insurance which result in cheaper quotes.
  • Avoid vehicle modifications: Vehicle modifications make your car more prone to risk in the eyes of an insurer and they’ll duly increase your policy price.
  • Paying annually: Opting for an annual payment plan that you pay upfront will save money.
  • Higher excess: Agreeing to a higher voluntary excess in the event of a claim could lower your van insurance premium.
Why choose Try Compare?

Affordable – We look to find the cheapest cover available. Compare insurance quotes via Try Compare and choose which cover suits you best.

Tailored to you – We provide insurance quotes that meet the demands of your particular situation.

Competitive rates – We work with a panel of leading insurance providers in the UK. With a large range of products to choose from, we are here to find the right policy for you at the best possible price.

Contact us today for your free quote; www.trycompare.co.uk