Commercial Van Insurance UK: Overview

When it comes to commercial van insurance finding the best price doesn't necessarily mean that you've found the best deal. Making sense of commercial insurance policies can be hard work, especially if you're new to the game. With so many different clauses and caveats it can be difficult to know where to begin, so the best advice is to take things slowly: step by step.

Before you start shopping around it's important that you have a clear idea of what level of cover you are looking for, otherwise you'll quickly find yourself going round in circles. The following services are commonly offered as extras in commercial vehicle insurance packages:

Enhanced insurance cover : extra benefits in the event of an accident

Courtesy vehicle cover : If you're unable to use your van through theft or an accident there's no reason why your entire business should grind to a halt. With courtesy vehicle cover you'll have no trouble keeping your business on the road

Additional legal expense cover : this enables you to claim for ‘excess' costs of either damage to the vehicle or personal injury

Breakdown cover : it's often cheaper to buy breakdown cover as part of a bundled insurance package, rather than taking out a separate policy

Windscreen cover : with van windscreens costing well up into the thousands insured replacement often makes sound financial sense

Multiple vehicle insurance : Several insurance providers offer substantial discounts if you are intending to insure a fleet of vehicles.

It's worth noting that a number of ‘high-street' insurance companies won't insure commercial vans over 3.5 tonnes or haulage vehicles. If your van falls into either of these categories it might make sense to cut your losses and begin your search by looking for a specialist insurance broker.

 

 

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