Insurance for Business Vans
Every business van user is different, whether you use pickups, small vans like Fiesta’s and Renaults to Transit vans and larger models. You need to have your vehicle insured to be legal on the road and to cover day-to-day risks that wouldnt face non-commercial drivers.Choose a policy that entitles you to a replacement van if yours gets panged or if it’s in for a service and if keeping mobile is essential, then breakdown cover and legal expenses should be included in your policy. For insurance purposes, a van is defined as any vehicle designed to carry goods and less than four passengers – although Crewcab and Doublecab models may also be covered and the vehicle must weigh less than a maximum of 3.5 tonnes.
In many ways, commercial van insurance is just a more elaborate version of business car insurance, covering your employees and your company’s vehicles when they are being used by your workforce. The difference with commercial vans is that they are often transporting a large and expensive payload. It’s important to protect your company against the threats to that payload of theft, vandalism or fire but thats not the only reason to take out commercial van insurance. Obviously, delivery vans are much bigger than an average saloon car and often operate in tight, busy, city streets thereby increasing the risk of an accident. Physical damage coverage is important, but equally essential is protection against serious injury or even death. With good business vans insurance you can safeguard your company against most of the medical and legal expenses that you almost inevitably will incur.
There are several different plans you can choose to cover yourself. If you are a produce company using delivery vans that are of little value, it may feasible to buy third party insurance at a low cost, covering only the victim and the victim’s vehicle, but the best advice is to go for a fully comprehensive insurance covering all of your risks.This may be a little more expensive, but your peace of mind is probably worth paying the price. Most business van insurance providers will offer comprehensive insurance cover for up to five vans and up to fifteen different drivers under a single policy. This will cover all van types from small or transit vans right up to 3.5 tonne van for any commercial use and the best policies also extend cover within the UK and for trips to European countries.
Depending on your business needs, you can add in extra options to cover uninsured losses or extended European travel.Look for providers that will not penalise start ups by loading premiums or policy excesses, saving you money when you need it the most. Many providers will not only offer commercial van insurance but will also bundle a wide range of business insurance policies, covering everything from office insurance to public liability and professional indemnity insurance in one integrated package.Even if you are operating as a one-man-band, these other business and office insurances are just as important to protecting your livelihood as the policy to keep your van on the road.
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