INSURANCE DETAILS

Van Insurance


Most people know about car insurance, but what about van insurance? Clearly if you drive a van then you need to know about van insurance.

There are various different types of van insurance which offer different forms of protection and therefore have different types of costs associated with them.

Firstly there is third party insurance, which is the least costly of the types of insurance available. With this product, there is the minimum of cover, and indeed this is the minimum type of cover that is allowed by law in most countries. The policies in this category will not pay out for such things as damage to the vehicle if there is an accident, or theft of it, or indeed costs associated with fixing the van.

The next level of cover up includes third party still, of course, but adds fire and theft cover. It is pretty self-explanatory what the additional benefits of this type of cover are - and of course the cost of the product is higher too, compared to purely having third party cover.

The most expensive of the types of cover is the fully comprehensive plan - which as the name implies, is comprehensive. Although it is detailed as fully comprehensive, there may still be things that are not covered by it, and for which instead some other sort of breakdown cover is required.

As with many insurance products, there are all sorts of different types and nuances out there and indeed specialist products on the market too. For instance different types for couriers and other sorts of jobs related to van driving.

Remember that you will need to state what the usage of your van is when getting quotes for van insurance - eg whether it is for carrying your own goods or for haulage or whatever other reason your van will be used for.

As with all insurance products, one should shop around then taking out van insurance as there are so many providers out there and with many different requirements to take into account, it is worth getting a range of different quotes.

As ever, those who are younger will generally have higher costs to contend with as generally there is more likely to be an accident and hence a claim for the younger driver meaning that premiums are higher. However there are specialist providers out there for younger van drivers so again it is worth contacting those options too when looking into which type to take out.

Related Articles...

Prize Indemnity Insurance
Prize indemnity insurance is a purchase that would be considered by someone offering a large prize and thus could stand to lose a considerable sum of money. This form of insurance would mean that...

What Is Insurance?
What exactly is insurance? It sounds like a very basic concept, but it is important to know what insurance is, in order to work out why insurance is so essential to modern-day activities, and why...

Income Insurance
Income insurance is sometimes referred to as income protection insurance. As the name suggests, this product is focused around what you earn from work. This type of policy is something that will...

Saving on Home Insurance
Home insurance splits into the bricks and mortar insurance - buildings insurance - and the stuff that you put inside your house such as your valuables - the contents, hence that bit is called the...

Saving Money on Car Insurance
Like with most types of insurance, the car insurance sector is extremely competitive. There are a lot of providers of this product, but also a lot of different factors that are taken into account to...

Agricultural Insurance
Agricultural insurance is a niche type of insurance product that is available for those who work in specific areas of agriculture. This type of product could offer piece of mind against various...

Pet Insurance
People love their pets - whether you are a cat lover or a dog lover, or prefer something like a rabbit, a guineapig, snakes, hamsters or indeed any animal that you can think of, then pet insurance...

Reinsurance
The concept of 'reinsurance' is quite an interesting one. It comes down to the same sort of logic as 'who will guard the guards?' - in this case who will insure the insurers. The answer is, other...

Bicycle Insurance
Bicycle insurance, as with all insurance products, gives you a way to deal with the risk of having something happen to your bicycle - depending on the product you choose - and therefore having the...

GAP Insurance
If you have bought a car in recent times, then you will probably have come across GAP insurance as the vendor will have asked you if you want GAP insurance or not. If you are not familiar with...

 © © Insurance Details    |    Copyright and disclaimer    |    Insurance Details