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Van Insurance Information : Frequently Questions

Most van drivers who transport passengers or goods usually opt for fully comprehensive van insurance.

However, Powerseeker appreciates that finding the right level of van insurance can be a little tricky, so continue to read on for some answers to the most frequently asked questions.

Why do I need van Insurance

Since 1930 the UK law has started that you need insurance to drive any vehicle on a public highway. To drive a vehicle on a public road is an offence which could lead to prison if you are involved in an accident and do not have Insurance.

All motorists are legally bound to take out at least Third Party Insurance to protect against injuries to people and damage to property.

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What are the different levels of Van Insurance cover available?

There are three levels of van insurance, these are as follows:

• Fully Comprehensive – This offers insurance cover against accidental damage cover to your van. It will also cover your personal belongings, medical expenses and offer personal accident cover.
• Third Party, Fire and Theft - offers protection against third party property; so it will protect you if other people claim against you for injury or damage to their vehicle or property. You are also covered if your van is stolen or damaged by fire.
• Third Party - offers protection against third party property only. It protects against claims made by third parties against you, for injury or damage to their property.

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Do I need to inform you of any previous van insurance claims?

You will usually be asked to disclose all information relating to claims in any motor vehicle. If you do not give accurate information to the Insurer, the insurance could be declared void if a claim is needed to be made on your policy.

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What policy extras should I consider when purchasing van insurance?

Due to the nature of commercial business, what may be suitable for one van driver, may not quite suit another. You would have to decide whether any of the following extra features are applicable to your circumstances:

• Tools insurance to cover tools carried in your van
• European cover should your work take you abroad
• Legal assistance to assist with court costs or damages should the worst happen
• Breakdown cover to ensure you are not stranded when you need to be on a job

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Why do the costs of Van Insurance policies vary so much?

The cost of van insurance differs so much because of the competitive market. There are so many insurers trying to tempt new customers to take out their policies.

Insurance Companies base their costing decisions on the make / model of van, the type of policy you select, aspects such as your age, driving record, where you live, whether you are likely to make a claim or not as well as many other factors.

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Can an alarm save me money on my Van insurance?

Some insurance providers will provide an insurance discount if you van is fitted with an alarm or another security device, according to the Thatcham.

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Do I have to pay for my van insurance in one lump sum?

No. If you can't afford to pay for your van insurance in one lump sum then you can choose to pay for your policy by monthly instalments to spread the cost of your premium.

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Can I get instant van insurance cover?

New policies can be purchased instantly online and insurance cover can be arranged to start on the same day.

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Do I need to contact the police after an accident involving my van?

Yes. However, if you have been involved in an accident where injury has been caused to you or another person then the priority is to call for an ambulance. Secondly, report the accident to the Police for an Incident reference number.

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If I have an accident and do not wish to claim on my Insurance for repairs, so I still have to inform my Insurance Company?

Yes, it's advisable to inform your Insurance Company of any incident the insured vehicle is involved in to ensure your file is kept up to date.

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What happens if my van is stolen?

If your van has been stolen you need to report the theft to the Police. An officer will provide you with a crime reference number which you utilise at your second point of call; your Insurance Company.

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What is a Policy Excess?

A policy excess is the part of the insurance claim that you agree to pay.

You will have agreed what excess you will pay upon taking out your Insurance policy. The amount and details of the policy excess will be found in your policy schedule.

You would usually get the policy excess back if an accident is proven to be the fault of another driver.

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What will happen if the cause of accident is not my fault?

If the circumstances of the accident are reasonably straightforward then the claim process is usually short.

The Insurance Company will be keen to get your vehicle repaired or a settlement offered if it is deemed a total loss.

Your Insurance Company is then keen to try to recover the outlay from the person responsible for the accident.

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** The information provided by Powerseeker in this article is for information purposes only. Any reliance you place on the information is strictly at your own risk. **

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John Duckham

"Thanks for a cheap white man van insurance policy - it was fast and easy to get the quote. Very professional thanks J Duckham"