A Guide To Commercial Vehicle And Van Insurance

When I bought my van I didn’t realise that I would need a different type of motor insurance to my normal car insurance.

I also did not realise that there were so many classifications of the type of insurance.

There is insurance for small goods vehicles. This is insurance for vehicles which are less than 3.5 tonnes.

There is another class of vehicle for vehicles over 3.5 tonnes. This is for vehicles which are medium or large goods carrying vehicles.

There is insurance for passenger carrying vehicles and for hire vehicles.

Agricultural and forestry vehicles have their own separate class.

Motor traders are also separated into an individual class of their own.

Other vehicles such as dumper trucks, tippers, cranes, fork lift trucks, mobile plant, mobile shops, ambulances, and hearses all benefit from their own specialist classification as they all have specialist business activities and are moving/ carrying different types of goods.

It is important to remember when purchasing commercial vehicle insurance that you advise the intermediary or insurers on information such as the vehicles tonnage, the vehicles use and what if anything the vehicle is carrying.

Does the vehicle have an alarm or is the vehicle garaged over night. Other factors which effect the premium is the age of the vehicle.

It is worth speaking to your intermediary as additional cover may also be needed for hauliers, trailers, temporary replacement vehicles and for breakdown cover and tools.

Buying insurance can be confusing as there are so many types of insurance companies and intermediaries. It is worth talking to a few to see what service serves you best. Also don’t be frightened to go online. There are some brilliant deals to be had from online insurers and intermediaries and they maybe able to give you immediate cover if you need it.

Don’t forget also that commercial van insurance doesn’t usually cover tools and equipment left in the van or goods in transit. To get cover for these items it’s necessary to get a separate tradesman insurance policy. These are combined business insurance packages that also cover you for liability. Whatever your trade you will always need a commercial business van insurance policy as well. Even if you run a fleet of vans it’s very easy to compare business van insurance quotes online today and many insurance companies are are offering deals if you go direct.