Before you buy a van insurance policy, you need to make sure you are familiar with the different types available so that you can judge which type of van insurance is most suitable for your circumstances.

There are three basic types of van insurance to choose from. They all cover you to a different extent and of course, the prices of them vary accordingly.

Firstly, there is the third party fire and theft cover. This type of policy will cover you if a claim is made against you for injury or damage to someone else’s vehicle or property. This policy will also cover you against theft and also against damage caused by a fire.

If you want a more basic version of this, then third party only insurance will cover you for claims made by a third party for injury or damage to property, but it will not include cover against damage caused by fire or theft.

If you’re looking for more protection than is offered by these two forms of van insurance, then there is the option to buy comprehensive van insurance.

This will cover you for everything the third party fire and theft policy covers you for but it also covers you for accidental damage to your van, personal belongings, medical expenses and personal accident cover.