The different types of van insurance

Van insurance is pretty much what it says on the tin.  It is similar to car insurance, yet with the obvious difference being that it is custom made for you as van drivers as opposed to other motorists.  It is a legal requirement for you have a specialist policy if you are driving a van, whether it be for business or pleasure reasons.

What types of insurance are available?

With van insurance, a number of options are available to you.  If it is a commercial van that you drive, you’ll be able to choose from the following: carriage of goods for hire or reward, carriage of own goods and haulage cover.  These all cover you in different instances so it’s important to understand what you’ll need.

Carriage of goods for hire or reward is tailored towards people who are constantly taking goods to different destinations.  A delivery driver who does not own the cargo in the back of his van is an example of this, as the parcels belong to the customers.

Carriage of own goods is the cover you will need if you are taking your own tools from once place to another.  For example, if you are a plumber and need to take a variety of utensils from one job to another, this cover could be right for you.

Haulage cover will protect you if you take a few deliveries over a long distance to a specific and set destination.

What cover is available?

As with car insurance, there are three standard levels of cover available to you.

These are third party, third party, fire and theft and comprehensive cover.

Third party cover is the minimum level of cover you need to drive in the UK.  It will cover the other party involved in the accident, though will not stretch to covering your own repairs.

Third party, fire and theft will include everything that standard third-party will cover, with the added comfort of protecting you in the event of fire or theft.

Comprehensive cover is the highest level of cover you can get in the UK and will cover both repairs to your van, and that of the third party.

As you can see above, there are many options for you to choose from when deciding on what type of van insurance you will go for.  Thanks to our panel of insurers, we are able to cater for a wide range of needs and different circumstances when it comes to insurance.  Fill out a quote online for free to find our best prices!

If you want to know more about van insurance, head over to the Quote Detective website!