What Does Van Insurance Actually Cover?

In the UK, if you want to use your vehicle on a public road, you are legally required to have some form of basic vehicle insurance. If you own a van, you will require van-insurance. It is a legal requirement, simple as that! Insuring your van will also bring you, the owner, peace of mind as you will be able to rest assured in the knowledge that your van is protected.

If you own a van it is also more than likely that it will be an essential part of your day to day job. Therefore, it just makes sense to have it covered in the unfortunate event of it being damaged or stolen!

With commercial van insurance you are covered against a whole range of potential risks and dangers, and you can choose to insure your van in three different ways. You can choose third party cover which is the cheapest and will cover you for any damage caused to someone else’s vehicle or property, along with any injury you may cause to someone else if your van is involved in an accident. Third party insurance will not cover any damage, loss or theft of your van however.

Then there is third party, fire and theft insurance. This will give you the same cover as listed above for third party, however with fire and theft, you will also be covered for the cost of repairing or replacing your van if it is damaged by fire or if it is stolen.

Then there is the most inclusive cover you can possibly buy for your beloved van, and that is fully comprehensive cover. This level of cover includes third party, fire and theft van-insurance, and in addition you will be covered for any repairs that will need to be made to your van in the event of an accident. Some comprehensive insurance policies will also include extras. For example, some insurance policies will cover any personal belongings left in the van, along with a number of other added extras.

Choosing the type of cover for your van can be a tricky choice, however, if you want to ease your mind, and you are not too worried about the cost, then fully comprehensive cover is surely the best way to go, particularly if your van is your livelihood. Why skimp on costs when you can guarantee your van is protected against all unfortunate circumstances that may arise?