August 31st, 2010
There are many reasons why commercial vehicles are targeted by thieves. Vans are more likely to carry valuable tools or goods and they are also more likely to be left idling or with the keys in the ignition while the driver stops in somewhere to make a delivery or collection.
Vans are more likely to be targeted at certain times of year as well. In the winter, it is common for all vehicle owners to leave cars running while they try and defrost the windscreen and this is when many opportunistic thefts take place.
Van insurance offers vital protection for anyone who relies on their vehicle for work. However, if your van is stolen or tools are taken from within it, you are not covered for the disruption that you will suffer and this is why you must take every measure to minimise the chances that you might fall victim to thieves. Insurance may cover the value of the vehicle or goods, but it will not cover you for loss of earnings that might ensue.
August 23rd, 2010
If you have an accident whilst driving a van which causes damage to a person, or their property, you must ensure that you provide your details (and those of the van owners, if this is not you) to the involved parties. The provided details should include name, address and vehicle registration as a minimum.
In addition, the company, with whom you hold your insurance policy, should also be informed of the accident even if you are not planning to make a claim on your policy.
If you are intending to make a claim, ensure that the insurance company are told of the accident as soon as possible. Your details may be taken over the phone, or you may have to complete an accident report form. Make sure you know exactly what is expected of you, in order for the claim to be processed efficiently, if in doubt then ask your insurer.
If you have had an accident, your insurance company may want you to take the vehicle to one of their approved repair centres. It’s thus important that you don’t action any repairs yourself until you know the claim will be sanctioned and you have been informed which repair centre is the nearest.
August 10th, 2010
When your van insurance policy is up for renewal, the way to make sure you are getting the best deal is to search around on the internet. And using a price comparison website is a good idea in situations like this. Just allowing your policy to renew can often be a costly mistake.
In order to use a price comparison site, you will need to have some key pieces of information to hand. These include some personal details about you, such as your address, occupation, driving history and licence information. You will also need to provide information relating to the van you wish to insure. You are likely be to asked van model, age, use of vehicle and any security features it may have.
To ensure you do not invalidate your policy, make sure you provide all the details and answer any questions honestly. If you do not do this and you need to make a claim, you insurance policy may be void.
It’s important to remember that it’s not just the price that’s important when choosing a van insurance policy. It’s also really important to look at the level of cover you are getting.
August 9th, 2010
When renewing your insurance policy, or looking for another insurance provider, you will be asked to confirm if you are the registered keeper of the vehicle and if you will be the policy holder too. It’s important to note that the registered keeper is not necessarily the legal owner of the van.
Whilst the legal owner of the van could be the individual or company who purchased the van (and hence has a legally enforceable claim to the van), the registered keeper is the individual who the DVLA has registered as being responsible for licensing the van, taxing the van, doing the MOT, keeping the vehicle in good repair or where appropriate, declaring it off the road. The registered keeper is indentified in section 5 of the Registration Certificate of the vehicle (the van log book). In the instance of any motoring offences (or indeed parking tickets), it is the registered keeper, if different from the legal owner, who will be contacted by the police.
When you are providing details for your insurers for the van insurance policy, it is important to understand the difference between the Registered Keeper and Legal Owner, and provide accurate details to ensure you do not invalidate your policy.
August 9th, 2010
There are many insurance companies who will offer a protected no-claims bonus for their insured drivers. This is usually offered to individuals who have demonstrated that they do not often make claims, by already having a number of years without making a claim on their policy, usually 4 years or more. Thus by paying an extra premium, they may be able to make a number of claims without forfeiting their bonus.
If you choose to protect your no-claims bonus, you need to make sure that you read your policy carefully, as most policies will have detailed terms, conditions, exclusions and excesses for their protected no-claims bonus premium.
When considering if you should pay the extra premium to protect your no-claims bonus, it is worth balancing the costs associated. You will be required to pay an additional premium for the protection, which can add up, especially if you don’t make a claim. However, it’s also worth remembering that if you do make a claim, you will not be able to transfer your protected no-claims bonus to another insurer, so is it possible that your insurer will increase your premium at your next renewal.
August 4th, 2010
The best way to get the best deal when it comes to van insurance is to compare lots of different van insurance quotes. You will need to take into consideration your requirements and ensure that you have the correct policy before you commit to anything.
There are ways in which you can bring the price of your van insurance quote down. And they normally relate to ensuring that your vehicle is protected and that the chance of it being stolen is greatly reduced.
For example, the cost of your van insurance can be reduced if you simply park your van somewhere secure. By parking your van in a garage or off road, you are reducing the chance of any damage being done to it as well as the chances of it being stolen.
You could also choose to install some security equipment in your van. You could install an alarm, immobiliser or a tracking device to reduce the costs of your van insurance. With these devices, the insurance company sees less chance of any harm coming to the vehicle and it therefore charges less to insure it. A no claims discount can also help to reduce the costs of your van insurance.
There are plenty of ways to reduce the costs of your van insurance; so carry out some research and get the best deal for you and your circumstances.
July 31st, 2010
If your van is stolen, the impact on your business can be huge. A lot of businesses completely rely upon their vans to continue operating effectively; so if they go missing, this could really damage the business.
Without the van, you will be unable to serve your customers properly, you will have to close the business until you have enough money to replace the vehicle, you will have to find the money to replace the equipment and tools that were in the back too and you’re not sure the business will recover from all of this.
But that is all if you have not got van insurance. Because if you have van insurance, which of course, is a legal requirement, then you will be in a much better situation.
If you are covered by a good van insurance policy, then you will probably be able to make use of a courtesy vehicle until you have a work van back. And if you have opted to have cover for the belongings in your van, then you will be able to replace these much more easily than if you didn’t have any van insurance cover at all.
July 30th, 2010
If you are intending to use a commercial vehicle, then you will need the right van insurance policy. Van insurance is required if you drive any of the following vehicles: A small van which carries small loads, a light van, a medium van or a large van which is a long vehicle, often carrying heavy loads.
But often, buying van insurance is not as straight forward as you might think as there are extra expenses that you might have to pay for.
Firstly, you may wish to add breakdown insurance cover to your policy. If you have a large fleet of vans on the road on a daily basis, then you will benefit from adding breakdown cover to your policy. With a large number of vans out of the roads, there are bound to be problems occasionally, so this type of cover will act as protection as well as giving you peace of mind.
Something that a lot of companies will need to consider is the need to protect the contents of the van as well as the van itself. Some people make the mistake of assuming that the contents of a van are already included in a van insurance policy, but this is not the case so you will need to look into getting cover for your van contents if this is required.
July 29th, 2010
There is no way that a plumber could carry on with their normal working day without their tools. Normally, a plumber’s van is packed full of tools and equipment, carried around to ensure that they are able to complete a huge range of tasks and jobs.
So if this equipment is stolen, then a plumber will find it difficult to make a living as easily as he was before.
That is why, if you rely on your van and the equipment within it in order to carry out your daily tasks, you should make sure that you have the right van insurance cover.
Van insurance is essential for anyone who drives a van for personal or commercial use. There are three different types of policies to choose from when it comes to van insurance and they each offer you varying degrees of cover.
The most basic form of van insurance you can choose is third party van insurance. The next step up is third party fire and theft and if you want to be fully protected, you can choose comprehensive van insurance.
But when you choose your van insurance policy, you need to make sure that you are suitably covered for your circumstances. For example, a plumber will need to ensure that the contents are insured as well as the van itself. This means that if anything does happen to the van or the contents, then the plumber will be as protected as possible.
July 29th, 2010
If you drive a van, you need van insurance. But finding the right van insurance is not an easy task and it is certainly not a quick task.
Most of us lead very busy lives. We get home from work and we barely have time to sit down before it’s time to make the dinner and run the kids to their evening activities. So when it comes to buying van insurance, there really isn’t time to be phoning round all of the companies and comparing the quotes that you are given.
To avoid this confusing and time consuming process, one of the most effective ways to find the right van insurance quote for you is to look online.
By looking online for your van insurance quotes, you can easily find different quotes and compare them in a really simple way.
The information will be simply displayed, making it easier for you to see what each policy includes and how the prices compare.
There are different policies to suit different needs, so it’s best not to simply pick the cheapest option as this may not include all of the cover that you need for your circumstances.
Take your time to look over the options and find the policy that best fits your needs for the most cost effective price.
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