TIP: - Roll your mouse over the ticks or the INFO for full details.
Provider |
Online Discount |
No Claims Discount |
Motor Legal Expenses |
Personal Accident Cover |
European Cover |
Breakdown Service |
Windscreen Replacement |
Courtesy Vehicle |
Additional Benefits | Apply |
Van Drivers - one of the most important drivers on the road, yet many motorists think that van drivers are just a typical “Jack the Lad”. Yet it’s our ‘man’ Jack who supplies half the country with the produce for many small shops the length and breadth of the UK and who we rely on for our pint of milk and our daily newspapers. It’s also our ‘man’ Jack who very probably helped build your new house, by bringing building materials every day from the building merchant’s store. He/she possibly also came round to your house in the middle of the night to fix a burst water pipe. And not to forget, they’ve possibly also cut your next door neighbour’s grass, courtesy of their own lawn mower which they store in the back of their pickup van. It would be near impossible for our ‘man’ Jack or any other van driver in the UK to function, if it were not for a low cost and discount enhanced insurance for van and of course the humble van that most of us take for granted.
Regardless of whether you are a labourer, a joiner, plasterer, painter, welder, builder, pipe fitter, gardener or any other tradesman employed or self employed, the chances are that you’ll need a van for your business. And to go with this said vehicle you’ll need to conduct a business van insurance comparison, which covers all of those commercial bases. By law everyone must have some form of insurance in place to drive legally on the roads of Britain; this also includes anyone who drives a van for personal use.
There are three main levels of car insurance cover available which are as follows: Fully Comprehensive, Third Party Fire & Theft, and Third Party Only. And the following comprehensive list will help you to find van insurance that best suits your needs.
Third Party Only is the most basic form of car insurance and without this cover you will be committing a criminal offence, if you enter on to public roads without it, as is clearly set out in section 143 of The Road Traffic Act (RTA) 1988. But as it is such basic cover, you will not receive the enhanced benefits that some policies offer. For instance, if you find that you need to make a claim, it usually only covers you for legal liability for death or injury to other persons including your passengers, and liability for other people’s possessions. Normally there is the option to add to your policy, which can include breakdown cover etc. But at the end of the day, if you looking for the cheapest, a cheap van insurance quote will at least get you up and running legally.
Third Party Fire & Theft can be broken down in to two parts. The first part is the third party bit; this would be where your insurance company would cover you for any liability made against you in the event of an accident. And the second part would be where you would be covered if someone stole your car, or you had a fire, whether it was caused by error or through an act of vandalism. You would also be covered for all legalities such as hiring a solicitor to represent you in court.
Fully Comprehensive covers you for just about everything from fire and theft, to hiring a solicitor to represent you. You would also be fully protected if you were involved in an accident, whether it was your own fault or not. All this said, it would be advisable to read different insurance companies policies to be sure what cover you’re getting for your money, as every insurance company may differ from each other.
There are several different things you might want to consider when you compare van insurance for your vehicle, such as ‘No Claims Discount’? This is a discount that insurance companies award their drivers with for not making any claims. The advantage of this type of policy is that it allows the driver to then shop around and look for the best deals available on the market, when their policy is due for renewal. And providing the driver’s history is exemplary, favourable discounts will undoubtedly be available. Other things to think about having might be.
‘Motor Legal Expenses’ this is a very good thing to have, especially if you are unfortunate enough to be involved in an accident, where it is clearly the other drivers fault. Usually this is available as an extra, but it could be the one of the wisest additions you ever make. As if you ever do need to use it you may be able to claim back the excess on your car insurance policy, claim for loss of earnings, if you are off work as a result to your accident and claim for the repair of your car if you haven’t taken out fully comprehensive cover. You may also be eligible for alternative transport costs, like car hire, whilst your car is off the road. Another thing a courier and individuals may wish to consider when looking for private van insurance UK is ‘Personal Accident Cover’. This usually comes as an extra, but sometimes is included with Fully Comprehensive policies. For the ultimate peace of mind, no driver should be without it, as it can cover you in the event of you or any of your passengers having a serious road accident. Serious injuries, like the loss of a limb, or such unthinkable tragedies as fatalities, which come about as the result of a serious road accident, are eventualities that most insurance companies offer different levels of cover for. By being able to pay a slightly higher premium, you’re ensuring that in the event of an accident you’ll be getting more than basic cover. ‘Breakdown Cover’ can be a very costly and awkward thing to arrange by yourself, especially if you are away from home, or if you are on a motorway, being towed to the nearest garage! Plus of course, getting back home again can be a complete nightmare, especially if you have young children with you. Indeed from a financial and inconvenience point of view, the costs can be huge. Most insurance companies will try and offer their customers some form of breakdown cover when they purchase a policy and in truth it could prove to be an extremely costly burden if you choose not to include it when arranging your new policy. ‘Windscreen Replacement’ is usually included in most vehicle insurance, especially when you take out a fully comprehensive policy. But it’s worth remembering that it is usually only on offer as an extra with lesser types of insurance cover. It goes without saying that it is a very good thing to have, as it is almost impossible to avoid small stones, so make sure you conduct a thorough online van insurance comparison. These said stones are dragged up off the road by the driver in front and can accidently hit your windscreen and irrespective of how good and careful a driver you are, there is no avoiding stone chips. Some things in life truly are unavoidable. If you are unfortunate enough get a chip and you fail to get it fixed quickly, then the next time you drive over a bump or a pothole, the chip may escalate into a crack and without windscreen cover it can be a very costly thing to repair. If you are covered, then normally you would contact your insurer, who would arrange for a mobile windscreen fitter to come out and fix the problem there and then, or at a time and place that suits you best. Thus meaning it can be repaired before it gets worse. Some insurers only offer front windscreen options, but there are others that sometimes offer side windows and rear windows as well. Although naturally, stone chips are less likely to affect the other windows, if you are broken in to it may be possible to have a side or rear window replaced under your policy. ‘Courtesy Car’ this is a very useful thing to have especially if you rely on your car as a means of getting to and from your place or work, or taking your children to and from school. A courtesy car is usually available as an extra for a small additional cost, when purchasing your insurance policy.
There are many, many different insurers to choose from and most of the big names we hear and see advertised will be able to offer their customers an insurance policy that suits them, especially if they drive normal every day types of vehicle. There are also some who will specialise in a specific types of cover, like private van insurance UK for the courier, policies for classic or customised cars, And not forgetting, 4x4’s, luxury and sports cars, who also need to be insured if they want to drive on UK roads.