Van Insurance
Van insurance is a market which has proved to be a little confusing for many, with some van owners unsure about how to cover themselves for business use, and some van owners trying to get away with simple reduced private use insurance. Many do not realise that if you insure your vehicle for private use, you are not necessarily covered for business use, and this could leave some open to major liabilities in the event of an accident.
So what exactly are you covered for?
Even in the event of covering your van for business use, you need to ensure that all eventualities are covered, everything that could possibly happen on the road. Business travel and general road insurance are standard, but many van owners may at some time carry valuable goods or documents.
If you are carrying valuable goods and do not inform your insurance company when taking out your policy, there is every chance that you may not be able to claim compensation in the event of damage or theft - leaving you open to potential compensation claims which you may have to pay out of your own pocket! When you bear in mind the compensation culture of the business world today, a large claim could make or break your business.
As many vans will actually be used to ferry workers too and from a place of work, many insurers will also insist on additional clauses to your general insurance, covering any other passengers. Again, a lack of this particular kind of cover could prove very costly in the event of an accident.
More and more these days we are actually seeing van insurance considered in tandem with business insurance, and very often the two are inter twined. To have one without the other would not only probably be against the law, but it could make or break any small business.
In summary you need to be detailed in the uses you have for the van, inform your insurance company if you will be carrying expensive goods and ensure you have sufficient cover if there are a number of travellers in the vehicle - all before actually hitting the road!
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Churchill Van Insurance
Buy Churchill Van Insurance online and get a discount
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More Than Van Insurance
Protect your van and your business with MORE TH>N Business. We can sort out for a replacement vehicle to be made available, to use for 48 hours if your van is stolen or immobilised following an accident. The real test of any insurance company is the day you have to make a claim.
