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Commercial Van Insurance Comparison – What You Need To Know

Commercial vans have become increasingly popular as time goes on. Whether it is for building work, public transport purposes, tourist guided trips or package delivery, there is no denying that vans deserve their recently earned popularity. If you have one of your own or would like to get one, one of the most important things that you will need to understand is commercial van insurance. Most people fail to realise that vans, commercial ones specifically, do not fall in the same category as small vehicles, buses, or other large vehicles. Below is all you need to know about van insurance for business use, regarding what it is, why to get it and where to get it.

What is commercial van insurance?

Commercial van insurance provides the right level of cover for van drivers wishing to use their van commercially. It is essentially a contract between the van owner and the insurance company. Under specified circumstances, the insurance company is obliged to cover repair or replacement costs accrued after damage to the van. The van insurance provider can provide you with third party only cover, third party, fire & theft cover, or fully comprehensive cover depending on your policy.

Many people have a hard time differentiating between commercial van insurance and private van insurance. The difference is straightforward. Unlike private van insurance, commercial policies cover vans promoting the owner’s business or helping it function.

Who qualifies for commercial van insurance?

Having understood what commercial van insurance is, the next thing you need to know is whether or not you qualify for the cover. Below are some of the people who may find that a commercial van insurance policy is suitable:

· People using vans as means of commuting from home to work.

· People using vans for public transport ferrying members of the public from place to place at a fee.

· People transporting goods on behalf of customers in return for payment. This will require a hire and reward insurance policy

· People using vans to transport merchandise for sale or production activities.

· People using vans as a form of entertainment or recreation (e. g.) city guides.

· People using vans as storage for equipment required for work.

Why do you need commercial van insurance?

The most straightforward and probably most obvious reason you need commercial van insurance is that it is your legal obligation. This is especially pertinent if you fall under any of the categories of qualifying van owners described above. However, there are very many other reasons why getting a commercial van insurance quote is the wise move for you as an owner. Below are five reasons why you need to get a quote for your van:

1. Covers repair and replacement costs in case of damage

This means that if your van gets damaged, whether due to a traffic incident or fire, the company will cover repair costs, getting you back on the road in no time.

2. Covers injuries to third parties

This is an important reason, especially when the van is used for public transport or recreation purposes. The insurance covers medical costs when the third parties suffer an injury while in the van.

3. You get compensated in case of theft

The compensated amount is usually the pre-determined value of the van, allowing you to either get a new van or stay on your feet long enough to find an alternative.

4. The policy protects you from liability when your van causes damage to another vehicle or piece of property

The insurance company will cover the repair costs if you unwittingly inflict damage to another person’s vehicle using your van.

5. The policy helps you assess your van’s value

The last reason you need to get yourself commercial van insurance is to find out the value of your van. This information could come in handy if you decide to sell the van later.

Find A Great Insurance Deal On Your Commercial Van

Commercial van insurance is not only a legal requirement but also an excellent investment for a person whose van is a significant pillar in their financial life. A good commercial van insurance quote will offer you all the above-described perks allowing you to comfortably go about your business knowing that someone has your back.

If you need a commercial van insurance quote, then do not hesitate to click the quote button above and compare over 40 quotes in moments.

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.