What is van insurance?

What is van insurance?

• with so many millions of vans and other commercial vehicles on the roads, it is hardly surprising that van insurance also reflects the very many differences in terms of vehicle size, age, value and use;
• some of this might be seen in the different levels of insurance with which any particular commercial vehicle may be protected – from the bare legal minimum of third party cover only, through third party, fire and theft, to fully comprehensive insurance;
• since the type and range of commercial vehicles is so broad, however, distinguishing between three basic levels of insurance cover is barely sufficient – individual operators of such vehicles are likely to have particular, individual needs and requirements;
• for that reason, van insurance typically needs to be tailored to suit those individual needs and requirements;
• tailoring those needs to the insurance products available – at competitive market rates – is a role in which here at Specialist 4 we take special pride in demonstrating our expertise and experience;

What does van insurance typically cover?

What does van insurance typically cover?

• although solutions are likely to be tailored to individual needs and requirements, at the heart of any van insurance policy is likely to be the vehicle itself;
• the extent of that cover depends on a host of factors such as the make, model, age, value and use of the vehicle, the driving and claims history of those who are going to be driving it and, of course, the level of insurance cover chosen;
• since it provides cover for a commercial vehicle, however, van insurance keeps the business needs of its owner clearly in mind – business demands that the wheels of its vehicles keep turning and that time under repair is kept to the minimum;
• roadside assistance and recovery, therefore, might often be incorporated in the policy;
• similarly, the heightened risks of injuries or property damage to passers-by when you are loading and unloading also makes public liability insurance an important element of many commercial vehicle insurance policies;

Who is van insurance suitable for?

Who is van insurance suitable for?

• practically any business might operate a van or other commercial vehicle – from a single sole trader right up to a company maintaining a large vehicle fleet;
• van insurance may be not only suitable for any of these businesses – but an essential component to successful operations, where the investment in the vehicle is protected, it stays on the road much longer than in the garage under repairs, and helps to ensure that your deliveries are made on time, according to contract.

Summary

Summary

Van insurance might be considered an umbrella term for a whole host of different, individually tailored solutions for keeping one of the principal motors of your business running successfully.