Compare Van Insurance

Van Insurance Quotes and Cover

Types of Van Insurance policies

Third Party Only -  This cover being the minimum cover requirement as per UK law, most van drivers go for it. The third party insurance covers liability to others, damage to property and even liability when the van is being towed away.

Third Party, Theft and Fire – This cover includes damage to third party, theft and damage caused to the van during the theft and fire damage as well.

Comprehensive Cover – This cover include almost all eventualities ranging from third party, fire and theft. At the same time, you stand covered for Loss or damage to your vehicle, Windscreen cover, Personal effects, Accidental damage and Medical expenses.

The optional extras which could be included in your van insurance policy are –

Legal Expense costs – The cost of legal expenses stand covered, in even of an accident and you do need to hire a lawyer for the same. This cover helps in recovering uninsured losses, follow up a compensation claim, recovery of an excess on your policy, medical losses and so on.

Breakdown cover - The breakdown cover includes recovery cover for you to getting back on the mainland location or a home cover, in case you face a breakdown near your home. You could also opt for onward travel cover which provides you with an accommodation or alternate vehicle as per suitability. In case you opt for European cover, you can enjoy protection when you are driving within Europe.

Courtesy van cover – This cover come handy when your van meets with an accident and has to be repaired. In case you opt for a still better cover you can enjoy a replacement hire vehicle if your van is stolen off or written off.

Personal accident cover – This cover provides cover to you and your passengers in case of accidents, while the extent of injuries is predetermined. Death is inclusive in the personal accident cover. If you opt for enhanced cover, you can receive the larger payouts.

Windscreen cover – This cover is related to your windscreen and damages to it. By availing this cover you can replace your damaged windscreen as well.

Make sure you check out the cover details in great depth for the insurance companies may not be including a few of the optional covers within their comprehensive van insurance policies as well.

Van Insurance Documents – The possession of these documents are extremely essential and vital especially when you are driving the van. You should be in a position to furnish them whenever demanded. These documents are –

1. A certificate of insurance or a cover note which is a temporary in nature but provides enough proof you having availed the van insurance. This is valid for 30 days.
2. A schedule and/or policy document of van insurance.
3. A policy booklet which explains your policy in greater detail.

Accompanied by most insurance polices, Van Insurance policies also have an excess amount which has to be borne by the policy holder. This excess amount is what you are required to pay towards any claim.

You can compare insurance quotes online, as a policy holder you can choose from Compulsory excess or voluntary excess. The compulsory excess is determined by the insurance company and depends upon the details furnished by you to them. In most cases, young or inexperienced driver or expensive vans attract a higher compulsory excess. On the other hand a voluntary excess is what you decide to pay towards the cost of the claim. In most cases, this amount determines your premium amount and is paid over and above the compulsory excess.

Van Insurance and No claims bonus

If you do not make any claims on your van insurance, you are eligible for a no claim bonus which is offered by insurance companies. In case of claim on your insurance despite you are not at fault, your claims recorded stands affected till you recover it from the other driver’s insurance company.

For each and every claim you make you lose 2 year's bonus, while most companies set a maximum claim bonus of 4 – 5 years. You can always protect your no claims bonus and make a claim which ensures you do not lose your bonus and receive a maximum discount on your policy as well.

You can also avail a mirrored bonus for getting new policies provided they prove that they have a no claims discount on the other vehicle or your company could prove that you have no claims history while driving a company vehicle.

Important points to bear in mind for all van insurance policy holders

Read the van insurance policy in great detail
1. Thoroughly understand the terms, conditions and exclusions as well
2. Provide true and relevant information to insurance companies especially related to your driving experience, driving history and claims as well.
3. Keep your documents and its copies handy at all times for they could be required at any time.