Commercial Van Insurance
Compare 15 Commercial Van Insurance Companies Here!
If you have a business in the UK and you use commercial vehicles such as vans, more than likely having commercial van cover is very important to you.
Not only should you be worried about insuring your vehicles, but also making sure that your drivers are insured as well as the goods that you carry in your vans as well. Since your vans are probably directly linked to your success as a business, finding the appropriate commercial van insurance is an important choice for you. The following is some helpful information that can help you make sure that you find the best van insurance for your UK business.
What Type of Coverage Do You Need?
As a business owner, one of the first things you will need to do when considering van insurance is to decide what kind of coverage you will actually need for you commercial vehicles. The following are a few types you need to consider, and then you can figure out which type of coverage is the best fit for you.
Fleet Insurance – One type of van insurance coverage that you can get is called fleet insurance. This type of coverage covers your entire fleet of commercial vehicles instead of just covering one. Many UK business owners find that insuring the entire fleet together under fleet insurance can be much cheaper than individual insurance for separate vehicles. If you have a variety of different commercial vans that you use, then you can probably benefit from getting fleet insurance that will protect them all.
Transporting Passengers – Another type of van insurance coverage that you can get is coverage for transporting passengers. This type of coverage is especially for commercial vehicles that transport people around, such as taxis, limousines, and other services that transport people. Coverage for transporting passengers makes sure that not only is your vehicle covered, but also those people that are being transported by your vehicle as well. If you use your commercial vans to transport passengers, then having an insurance plan to cover the people you transport is extremely important.
Transporting Goods – Many business owners transport goods instead of people in their commercial vans. In this case, you will need an insurance coverage that will cover the worth of your goods as well as the vehicle and the driver. This is called a goods in transit type of coverage. Usually this type of coverage is purchased separately from the rest of your insurance and added on to protect the value of your goods. Most plans will cover the theft of any goods, damage of goods due to an accident, or even the loss of any goods from your vehicle. If you tend to transport a variety of expensive goods in your commercial vans, then this type of coverage is essential to have.
Costs of Commercial Van Insurance
The cost of van insurance can seem quite expensive; however, when you consider the value of your vehicles and your goods, it is most definitely worth the money you spend on it each year. Unfortunately, there are a variety of commercial vehicles on the road, which makes this type of insurance a bit on the expensive side.
Another reason that this type of insurance can be more expensive than private car insurance is because these vehicles are quite a bit larger and can cause more damage if they are in an accident as well. While the insurance may be a bit on the expensive side, the following are a few things you can do to keep the price down as much as possible.
- Keep your vans in a secure location overnight, such as a garage.
- Avoid making too many claims.
- Have named drivers instead of a policy that allows anyone to drive.
- Choose a higher deductible on your policy as well, as long as you can realistically afford it.
Tips for Finding the Best Commercial Van Insurance Company!
When you are looking for an commercial van insurance company for your commercial van insurance policy, you will want to find the best commercial van insurance company possible. The following are a few tips that can help you to find the best insurance company out there for your commercial van insurance needs.
Tip #1 – Compare commercial van insurance plans – In order to find the best insurance company, you will want to be sure that you take the time to compare plans. Find out what the plans offered actually cover so you are not caught high and dry without the coverage you need. While price is going to be important, the actual plan is very important as well.
Tip #2 – Compare commercial van insurance prices – When you are trying to find the best insurance company you will also want to take the time to compare various prices. You want to be sure that you find the best plan for the best price. While this may take some research and time on your part, finding the best price is important and will be well worth the time you spend looking for the best prices available.
Tip #3 – Check out commercial van insurance companies online – Many times you can find excellent deals on commercial van insurance online. This gives you the ability to easily compare various prices quickly, and all from your office. More and more people are beginning to get their commercial van insurance online because the prices are often cheaper and it is very easy to accomplish.
Remember, having commercial van insurance is extremely important to your business. You want to be sure that your business is protected by the best company possible, so be sure to take your time and do your research when trying to