CIS Van Insurance

CIS Van Insurance - Is CIS a Better Choice?

More than likely, you have been spending a quality amount of time on researching various insurance companies. We have taken the work out of the research and provided you with all of the information about CIS van insurance. CIS is a respectable company that specializes in vehicle insurance, pet insurance, travellers insurance, and commercial services.

One of the greatest benefits of obtaining a policy through CIS is the fact that they are willing to give back to the environment. CIS will invest 20% of your van’s CO2 emissions to environmental projects such as rainforest reforestation, recyclable sources, and energy saving techniques.

The investment is based on an average vehicle with adequate mileage. CIS will also use repair supplies that are made of reusable and recyclable materials such as parts from vacant cars and plastic parts that are available wherever possible.

Types of Policies

If you have been browsing and comparing different van insurance companies for quite some time, then you have probably noticed that there are two basic types of policies: third party fire and theft and comprehensive.

Other companies have the ‘third party only’ option as well, however, that is not always the best option. Those who are usually not eligible will be place in the ‘third party only’ section and will not receive as many benefits. With CIS van insurance, the ‘third party only’ policy is not available, therefore, you will automatically be eligible for fire and theft coverage.

Both third party fire and theft as well as comprehensive cover the following:

• Liability for death or injury to third parties (including passengers).

• Liability for damage to property (a limit of £20,000,000 per accident)

• Liability of passengers to other vehicles.

• Legal costs that occur in an accident that is not caused by you.

• Loss or damage to the car caused by fire or theft.

• Replacement of locks after theft occurrence.

• Foreign extension- up to 30 days in any European location and other countries.

• Recovery service after an accident.

The following situations are only covered by the comprehensive plan:

• Damage to the car due to an accident (including accessories)

• Coverage for injuries to self during accident (up to £5000 for you and your spouse)

• Medical expenses for each person in the van (£250 coverage)

• Coverage of £250 for replacement of personal effects.

• Child car seats replaced after damage caused during impact.

CIS Optional Benefits

Did you know that you can apply for a the most basic policy but add extra options to help benefit your lifestyle? Even though CIS van insurance offers many benefits with their policies, there are still situations that could occur in which you would need extra support.

CIS Legal Expenses:

There is no need in your paying for legal fees that was not your fault. Therefore, you can claim a loss of earnings with CIS van insurance that resulted from you paying out of pocket for any legal fees.

For a small additional amount, the legal services team at CIS van insurance can provide a range of services that will help you in any vehicle related legal situation. CIS van insurance will cover up to £50,000 in legal fees for medical bills, loss of earnings, or to pursue a personal injury claim.

CIS Breakdown Cover:

CIS van insurance knows that breakdowns will happen. Unfortunately, the most common engine failure or difficulty will happen at the most unexpected, and unwanted, time. The Co-operative Car Insurance Breakdown is a rescue and recovery service offered all over Europe that can be added to your van cover.

If your vehicle is immobile due to a breakdown, theft, or fire, then they will pay for roadside repair and towing to a suitable garage. If the vehicle cannot be repaired the same day, then CIS van insurance will arrange for you and your passengers to be transported to a location of your choice, a hotel accommodation for one night, or a replacement vehicle for 24 hours.

CIS van insurance states that no matter where you are, help is less than an hour away. They take so much pride in this fact that they will reward you with £10 to say sorry for being late.

CIS Extended Coverage:

If you are a frequent travellers around Europe then you should consider the Extended European Coverage. The plan is similar to the regular level of motor coverage, except for the fact that it only lasts for 90 days at a time. You do not have to inform the company that you are taking the trip and you will still be covered either way.

No Claim Discount:

The ‘‘no claim discount’ is exceptional for those with a very good driving record. For each year that you go without submitting a claim, you will be eligible for discounts that go towards the cost of renewing your van insurance.

The maximum length is nine years. In order to qualify, you must provide CIS van insurance with the proper documents from your previous insurer to prove that you have had a clean driving record.

The ‘‘no claim discount’ can only be added towards one policy at a time. Therefore, you cannot share it with other policies, such as pet or travellers insurance. For each year that you are claim free, the discount will continue to rise. For example, your first year of being claim free you will receive a 25% discount.

The farthest you can go is 70% which can happen by your seventh year of being claim free. However, after you have went 5 years without submitting a claim, CIS van insurance will reward you with an extended renewal option which will increase your discount options up to 75%.