Types of Van Insurance

If you’re heading out on the road then it’s a legal requirement that you have insurance for your van. But, how do you know which level of cover is right for you and your business? We’ve put together a straightforward guide to enable you to identify van insurance that suits your needs.

Types of insurance

There are three types of van insurance available to meet your circumstances.

Comprehensive

With whistles and bells, comprehensive van insurance pretty much covers you for most eventualities. In other words, it is what it says it is. You might have to pay a higher premium but take a look at what’s included:

• Other people claiming against you for personal injury or damage to their vehicle or property
• Theft of your van
• Fire damage to your van
• Accidental van damage
• Loss, damage or theft of personal belongings
• Medical expenses
• Personal accident cover

Third Party, Fire and Theft

By taking out third party, fire and theft cover you’ll have van insurance in the following situations:

• Other people claiming against you for personal injury or damage to their vehicle or property
• Theft of your van
• Fire damage to your van

Third Party

If you’re looking for a minimum level of cover then third party insurance will give you cover if other people claim against you for personal injury or damage to their vehicle or property.

Extras

Whenever you’re buying van insurance cover, it’s worth checking out what extras you could go for to make your insurance work for you. We’ve highlighted the main ones below.

• No claims discount
• Voluntary excess payments to keep your premium down
• Guaranteed hire van
• Legal protection

Multi-vehicle discounts

If you have more than one van to insure then look out for insurance products offering multi-vehicle discounts when you go on to insure your second vehicle.

Insurance-related products

When you’re taking out van insurance take the time to find out what other related products your insurance company might be able to offer you – often at a discount. If you’re out a lot then breakdown cover will probably come in handy – even more so if it’s at a reduced price! Business and trade-related insurance might also be on offer so whether you’re a tradesman or running a shop, guest house, pub or restaurant you might be able to sort out all of your insurance with one provider and be rewarded for it.

Although having van insurance is a legal requirement you can make it work for you and your business if you identify what you really need, check out what’s on offer and take advantage of the related benefits and discounts. Why not start today by visiting the van insurance section of our website: www.directline.com/van

The information contained within this article is for general information purposes only, it does not constitute advice. Direct Line endeavours to keep the information up to date and correct but does not make any representation or warranties of any kind about its completeness, accuracy, reliability or suitability. Any reliance you place on the information is strictly at your own risk. Direct Line will not be liable for any direct or indirect loss or damage arising out of or in connection with the use of this information.