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There are currently tens of thousands of vans registered in the UK; all of these vans require at least the legal minimum level of cover to be able to lawfully drive on UK roads.
Depending on the level of cover you require, van insurance essentially protects you against the costs associated with an accident, fire and/or theft.
Costs associated with a claim can arise from medical expenses; replacement vehicle, third party damages and/or injury.
There are three levels of van insurance cover:
Third party only (TPO)
This is the minimum legal level of cover. Usually this cover will be limited to:
Third party, fire and theft (TPFT)
This level of cover will usually include all of the above, as well as:
This is the most inclusive type of policy as it often includes all of the above, as well as:
The degree in which the above cover is provided will depend on the insurance provider. Some insurance providers may even offer a ‘stripped down’ comprehensive policy that may not include what most comprehensive policies cover.
It’s important to remember that the cheapest policy isn’t necessarily the right policy.
In short; if you have a van, you need insurance.
As a van driver, you have a legal obligation to ensure that you have at least the minimum level of cover as per the Road Traffic Act 1988.
Whether you are a builder, a delivery driver or a florist, your van plays a vital role in your business.
Van insurance is integral cover for any van driver looking to protect their livelihood against a potentially expensive claim.
Unlike some non-legally required insurance policies; all van drivers require insurance unless the vehicle is registered SORN.
Because insuring your vehicle is a legal requirement it is extremely important that you consider your business needs before incepting a policy in order to make sure that you have all your bases covered.
When it comes to deciding what insurance is right for you, we won't pressure you into making a quick-sale.
We will give you all the information you require in order for you to be sure that you’ve got the right policy for you.
We have a team of in-house van insurance specialists available to speak to you with regards to any enquiry you may have.
Even if you’re unsure of the cover you need, we’re always here to help you because we care about you and your business.
We will always be transparent, honest and helpful. We are constructaquote.com and honesty is our best policy.
To get started simply enter your details into the quote form at the top of this page.
If you need more information you can:
Ping us an email: CustomerService@constructaquote.com
Call us: 08081 686868
Or pop in:
Barclay House, 2-3 Sir Alfred Owen Way, Caerphilly, CF83 3HU