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What Is Van Insurance and Why Is It Important?

woman and a man leaning on a white van

Though driving a van isn’t as popular as driving a car or the latest motorcycle model, there are still many people around the world who enjoy driving a van either for personal pleasure or for business purposes. To be able to make the most of driving your van, you need to make sure that you have the relevant documentation in place – the most important undoubtedly being insurance.

By deciding to compare van insurance quotes with different insurance providers, you will be able to find the best plan for your vehicle. But how are you meant to find the perfect insurance if you don’t thoroughly understand what van insurance is and how it can help? Well, this guide has all the information you need to be able to start this process. 

Let’s get started. 

What Is Van Insurance?

A good place to begin is learning what van insurance is. Put simply, it is a type of insurance that works to protect you financially should your van get stolen, vandalised, or damaged. Also, if anyone has been injured, or experienced damage to their property when you have been behind the wheel of a van, it can cover the cost of this too. Regardless of whether you use a van as part of your business, or if you use it for commuting or social driving, having this type of insurance is imperative. Some policies may cover you for both purposes, but to be on the safe side, you may want to conduct thorough research beforehand to make sure that you get it right the first time around. Without it, you will be illegally driving on the road, which is known to have its consequences. 

It works in a similar way to car insurance. But whilst you may think that your car insurance can cover your van, you’d be wrong. If you have a van and a car, you need to make sure that you buy different policies for both. 

Why Is Van Insurance Important?

There are many reasons why having this type of insurance is important for your van. First and foremost, without it, you won’t be legally covered to drive your van on the roads. If you don’t have the relevant cover, there is a heightened chance that you could face a fine, or worse, court prosecution. This should persuade anyone to make sure that they take out van insurance for their vehicle. 

There are many different circumstances in which you may be required to buy van insurance for your vehicle. Some of them may include if you privately use a van for commuting or social purposes, because you are a sole trader, or you use one commercially or as part of a business. In turn, these are all factors that could determine whether someone needs to take out van insurance or not. The reasons why you use your van will influence what type of van insurance policy you need to buy for your vehicle. 

The Type of Coverage You Can Have

Anyone who has ever taken out insurance for their cars or homes before will already have a certain level of knowledge of what it can cover and what it doesn’t. However, when it comes to driving a van, the insurance coverage may be completely different. So, that is why it is important to know what kind of coverage you could be expected to have. For example, you will be covered against third-party costs if you find yourself involved in an accident. On most occasions, it can payout and cover the cost of any repairs you may be required to have done, and if you find that your van has been written off, it could grant you a replacement vehicle until you have found a replacement van. 

If you use your van for commercial purposes, depending on which provider you go with, you could have the opportunity to have extended cover. In most cases, this relates to the van or the purpose in which you use it. As such, the events covered under your policy will depend on the type of cover you choose. 

Just like you would buy car insurance to offer protection for your vehicle should you find yourself in an accident, for instance, you need to do the same thing with your van insurance. Not only is it a legal requirement, which means that you must have it if you want to drive on the road legally, but it can also save you money on repairs going forward. So, with that being said, start looking for the best insurance premiums now.

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