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Van Insurance Information How To Qualify For a Policy
To qualify for insurance a van must be under 3.5 gross tonne payload weight. It must also not have any dedicated rear seats or have enclosed or part enclosed side panels.
The smaller the engine size will not only be more fuel efficient and provide lower maintenance and running costs, it will also be less expensive to insure. The larger the engine size the higher the insurance will become.
Modifications made to vans may also see a sharp increase to the insurance premiums. For those who believe that by not informing the insurance company of any modifications made will save them money may be in for a surprise should they make a claim. Any undisclosed alterations to the engine, body work or tyre size may mean that the insurance becomes invalid resulting in non-payment by the insurance company.
Having fancy art work may also seem like a great idea, however as the cost of having it replaced if damaged in an accident, fire or through malicious damage will cost more than manufacture paintwork, the cost of the insurance will be higher.
The same applies to driver details, deliberately providing false or inaccurate information about the driver and their driving history will also make the policy invalid. Not only will you not be able to make a claim, you will also be breaking the law. Every vehicle which uses the public highways is required to have valid insurance.
Vans used for the transportation of other people's good for payment or reward will also need to have additional Goods In Transit cover. This provides cover for damage and theft to goods while they are being delivered or collected and are inside the van. If you require to have cover for your own goods you should make this clear to the insurance company before agreeing to buy the policy.
Goods In Transit cover is required by many companies who wish to use your services, however it differs from courier insurance. If your van is used solely for courier services this should also be explained to the insurers in order for them to provide an appropriate insurance quotation.
If you use your van for work purposes and carry equipment and/or tools as part of your work many insurance companies will include cover for these within their comprehensive policies. For peace of mind you should ensure that the value of your tools are below the restrictions which apply, if not additional cover may be necessary, this will impose additional costs.
Not all insurance companies include equipment and tool cover without additional cost, check with different insurance companies to find out which have this as inclusive as this could potentially save you money on your van insurance premiums.
There are some insurance companies who will not offer van insurance under a company name. They will only provide a quotation and cover if the insurance is under the van owner's name. Again, check with insurance companies if you are looking to obtain van insurance under a company name rather than the owners.
Author Resource:-
Paul Headley is a specialist insurance article writer. Staveley Head are a leading UK insurance broker for
van insurance
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