The reason that you have a van is probably a very different reason why the person down the road has a van, which is probably different from the reason why many other people have vans. It is because vans can be used for so many different roles that there are so many different insurance policies for them.
There is no point having an insurance policy that covers lots of things that you will never need or use, which is why getting specialist van insurance is so important.
The crucial thing about specialist van insurance is that it is as tailor made to your needs as possible so you can be sure that you have the right cover. The first thing do, then, is to think about why you have a van in the first place.
There are so many permutations when it comes to vans that it is vital to look for the right specialist van insurance: one driver only; many drivers; the policy holder and one other named driver; younger drivers; pleasure use only; business use only; pleasure and business use; the size of the van; the type of business that it will be used for; the value of the things you will carry in the van; will they be left in the van overnight; where will the van be kept overnight; will the van be used to conduct business abroad…
The list is a long one, but these are some of the things that need to be looked at when you insure your van so that you can get the cover that you need and you don’t pay for cover that you don’t need.
The other things to look for with specialist van insurance are things like breakdown assistance and public liability. Naturally, everybody wants to keep insurance prices as low as possible and it is sometimes tempting to leave out optional extras but consider how much your business could lose if it wasn’t covered for these things.
Insuring a van is more complex than insuring a car because of the variables, but knowing what to look for will get you better cover.