We all need insurance to cover our vehicles on the roads in the UK. But if you drive a van, you will need to have the right van insurance for your van and any contents. So why not use Bright Compare to help you compare van insurance policies? Depending on how you use your van, the premium can differ a great deal, but you can be sure that our technology will help you find the best quote.
When it comes to van insurance policies, not all are created equal and many have exclusions that you need to be aware of. So don’t be caught out by selecting the wrong policy, or if the worst happens find that the contents of your van, or your expensive tools that you rely on for your trade, are not covered.
This is the insurance to go for if you use your van for social needs only, such as visiting family and friends, doing the weekly shop, dropping the children off at school or even just going fishing at the weekends. There are many policies available for private or social van insurance. Just use our van insurance comparison website to find any recommended policies. You can also add on any extra insurances, such as breakdown insurance, although many companies are now offering this as an added incentive to select their offering.
You need to consider a business van insurance policy if you use your van for work, such as house maintenance, gardening or roofing. If you carry the tools of your trade in the van, check your policy to make sure it covers your tools and equipment too, you might need a policy upgrade for the cover of goods and tools if it doesn’t. Checking this important detail will ensure that your tools, goods, belonging to yourself, your business partners, or employer are covered too.
If you deliver third-party goods, for example as a house removal company or moving goods or cargo from A to B, then this will be the right choice for you. It tends to work out more expensive, because the policy is covering other people’s goods and possessions, but it will include social cover and trips within Europe too.
If you run a multi-drop delivery service then this will be the insurance you will need. It covers you for extra drivers, as well as the frequent stops you may have to make during the course of your working day. You can also ‘opt-in’ for additional insurance to cover any goods in transit or personal insurance cover.
If you have more than one van, it makes perfect sense to put them all on a multi-van policy. It will help enormously by reducing administration, as you won’t have to remember all those renewal dates if your vans are included in one policy. So as you compare van insurance to find the best quote for your circumstances, you might discover that with each added van, many companies offer a discount, so it will be cost saving for your business too.
Perhaps you just need some extra cover for a day or up to a month? This option will cover you for any business or social activities, but it is usually subject to a van weight limit and remember to check any exclusions to the cover too.
The usual levels of cover are available for van insurance as you perform a van insurance comparison. And you will usually have the option of adding extra benefits to your policy, making your quotation ‘tailor-made’ for you:
Is the highest level of cover for your van and will replace or repair your van in the event of an accident or any form of malicious damage.
-Third Party, Fire & Theft
Will cover your van in the event of a fire or it is stolen. It will pay a third party, in the event of an accident, but doesn’t cover the cost of damages to your vehicle.
-Third Party Only
This is the lowest form of cover you can select in order to be legally driving on the road. However, it only covers third party damages and doesn’t compensate you if your vehicle is damaged in the accident, or in a fire, or stolen.
If your family think you should have a driver of the year award, then maybe you should consider fitting a black box (telematics). This unassuming little device will assess your driving ability and may result in you receiving a lower insurance premium when renewing your insurance. So if your age and postcode are limiting your choices, but you are an excellent driver, then this might be a good choice for you to obtain a better quote as you compare van insurance policies.
Before you enter your details into our van insurance comparison system, it is useful to gether everything you need to hand, so you can navigate the site easily and get that quote faster. Make sure you have the following to make the search easier:
– Van model
– Van registration
– Type of cover you need
– Age of the van and when you bought it
– Yearly mileage estimate
– Your personal details
– Your driving history
– A list of any extra insurance cover you would be interested in adding to your policy. You might be pleasantly surprised to find some insurance policies already include these as an incentive for you to take out their policy.
There are many things to consider when taking out van insurance. Hopefully, we have clarified some of the essentials for you. With the right information and your van details at hand, let Bright Compare, take away the worry of choosing the right policy, and spend more of your time enjoying your van on the road.
Yes. Many people purchase van insurance, as well as many other types of insurance, using monthly instalments. There is usually a small credit charge payable, so the total paid is likely to be slightly higher than if it was paid annually.
Here at Bright Compare, we can offer a comparison of deals from a wide range of leading van insurers. Using our comparison tool, you simply fill in your details and let us do the searching. You can then choose your best deal.
Absolutely, anyone can use our comparison tool to compare van insurance deals. People with bad credit may well find that they need specialist insurance, as a credit check is carried out during the quotation process. Providing all details in full can help the process.
Yes, in the same way that insurance deals can be compared for any other type of motorist. Remember that you may well need additional cover, depending on the type of business you are involved in. For example goods-in-transit cover if you are a courier.
Absolutely! By comparing van insurance online, you only have to look in once place to be presented with insurance deals from a range of different insurers. All it takes is a few mouse clicks and entering a few personal details.