If you run a business or use your van for personal reasons, it’s important to make sure that your vehicle has the right insurance policy in place. It might not seem like an easy task to find the right van insurance but with some research and help from our guide below, you can soon be on your way to getting cover for your business or personal driving needs and improving your fleet management.
Compare the Best Policies
It’s easy to compare policies by using some of the various policy comparison tools. Simply enter your details and they’ll show you a list of policies that meet your requirements, along with their prices and the insurers who offer them. You can then compare these policies side-by-side to find the right one at the right price for you.
For example, if you’re looking for a van insurance policy with a high excess but reasonable monthly payments, simply enter this information into your comparison tool and it’ll display all relevant options in seconds.
Consider Your Van Insurance Needs
Van insurance is one of the costliest types of car insurance, so it’s worth taking a little extra time to understand your needs.
- What type of van do you drive?
- How often do you drive?
- What kind of cargo do you carry? (Do they need GPS tracking devices, alarms, or other security features?)
- How old is the vehicle? (Age matters because older vehicles are more likely to be stolen or damaged.)
- What’s the value of your van? (The lower its value, the less expensive it should be for coverage.)
Should You Add on Optional Extras?
Optional extras include things like towing and vehicle recovery, breakdown cover, personal accident cover, and legal expenses. The benefits of adding on these are:
- You can be covered for unexpected events such as a car breaking down in the middle of nowhere, or someone stealing your car from your driveway.
- If you’re worried about being stranded and need help getting home safely then breakdown cover will pay for a tow truck to come pick up your vehicle.
- Legal expenses cover means that if you’re involved in a car accident where there is no liability on either party and they want to sue each other then this insurance will pay for the legal costs involved in defending yourself against any such action.
What should I Look for in a Van Insurance Policy?
When buying van insurance, there are a few things to keep in mind so that you can make sure that you get the best policy possible. These factors will help ensure that your vehicle is protected in case of an accident or theft, as well as any passengers who may be riding along with you.
- What should I look for in an insurance policy? There are several different types of coverage that you can choose from when purchasing a van insurance policy. It’s important to understand what options are available and how each type of coverage affects your rates before making your final decision on which plan works best for your needs. Some common types include:
- Collision – This type of coverage will pay for damages resulting from non-collision accidents such as vandalism or theft
- Comprehensive – This type of coverage typically pays out if the vehicle is damaged due to weather conditions or natural disasters (elements like hail storms), but it can also cover other incidents such as vandalism or theft
- Medical payment/personal injury protection (PIP) – This type helps pay medical expenses resulting from injuries sustained while operating a motor vehicle
How do I Compare Quotes?
Once you’ve found a few quotes that seem to fit your needs, it’s time to compare them. To begin, look over each policy and make sure that it covers all the things you need covered. For example, if you’re looking for van insurance with breakdown cover and legal protection included in the price of your policy, check that these features are included in each quote for van insurance provided by your broker.
Next up is excess (or excess reduction). This is the amount you pay in the event of a claim—it’s part of how insurance companies keep their costs down by keeping claims at an affordable level. The lower this figure is, the better off you’ll be when something goes wrong with your van and there’s an accident or damage that needs fixing or replacing.
Compare Van Insurance Quotes to Find the Right Policy at the Right Price
There are a number of factors to consider when buying van insurance, such as the level of cover you need, how much excess you can afford and what type of vehicle you own.
To help make sure that you end up with the right policy for your needs, we’ve put together this list of tips for comparing van insurance quotes. We hope this article has helped you to find the right van insurance policy for your needs.