Fleet insurance can provide cover for any vehicle type, but one of the most common uses is by companies that require insurance for a fleet of vans.
Small business that use a single van for their daily operations can find individual business van cover for their vehicle, separate policies can also be obtained for additional vans but if two or more vans need coverage, then a consolidated fleet insurance policy can be a great way to keep track of your policy and save money.
How do van fleet insurance policies differ from other vehicles?
Van fleet insurance policies tend to differ slightly from other policies for other vehicles. Although the basic principles of cover are similar to that which you would have for your car, vans are generally more specialised and will often be involved in haulage of specialised goods or the carrying the owners tools, equipment etc.
The two of cover that you may have as part of your van fleet insurance are for:
Carriage of own goods
This is a specialised policy that protects a van that is used to carry a business’ own goods such as building or plumbing tools which will can also cover the driver for personal use if they use the vehicle as their personal as well as business mode of transport.
Haulage (Goods for hire and reward)
If a van is carrying goods that will be sold to other people or transported/delivered to other people, hire and reward insurance is normally required. It can also be used to cover drivers for domestic, social and pleasure use, so please discuss this when you are arranging your quote.
How are drivers named on van fleet insurance policies?
If you run a business with a number of employees who are hired as drivers, they can all be named individually on a policy. Alternatively you can opt for an “any driver” option, which is more flexible but can be more expensive. Also, if you upgrade or change your fleet of vans at any time during your policy, make sure you inform your insurer.
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