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Transit van insurance

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Insurance for transit vans

The history of the “white van” dates back to the so-called Transit “Mark 1” which appeared on the American, British and German markets as long ago as 1965 and since then successive generations of this popular workhorse have sold millions worldwide.

The appeal has grown steadily as its appearance and use has been adapted not just as the original cargo van, but also as a passenger carrier, a minibus, a cutaway van chassis and a pick-up version.

This makes it a highly versatile and adaptable vehicle, suitable for a whole range of small businesses – from retail, to light industrial, tradesmen and office suppliers.

If you have invested in such a van – whatever its present age and condition – it is likely to have found a firm and indispensable position in your business. This is a role which you are likely to want to safeguard through appropriate Transit van insurance. To find the cover most suitable for your particular business, you might want to discuss your insurance requirement with one of our experienced agents at constructaquote.com.

What makes Transit van insurance so important?

Any small business owner recognises that it is important to protect and safeguard the assets and liabilities of the enterprise. If you own and rely upon the use of a Transit van, that means arranging cover for the vehicle that is regularly called into service to transport you, your staff and the materials, supplies and tools you might need for any work.

Just as with any motor vehicle, of course, you need to keep your Transit van insured. Even if it is being kept off-road, you still need a minimum level of insurance cover, required by the continuous insurance enforcement provisions that were introduced in 2011. The only exception is if you have decided to keep it permanently out of use and already hold a statutory off road notification (SORN).

But meeting the law’s minimum requirement is likely to be the least of your worries – do you stick with third party cover only which protects you against just third party claims, or are you looking to protect the van from the many risks and perils that may also befall it?

In that case, you might be looking at third party, fire and theft insurance or fully comprehensive cover. These options do just as they say and your choice of the level of protection you need is likely to depend on the age and condition of the Transit you are using and the relative cost and ease with which your business might replace the vehicle if it needs to be replaced.

More than the level of insurance is likely to be involved

In addition to any concern about the level of cover to choose, you may also need to make a decision about the amount of excess to agree. Typically, this is likely to be a question of balancing the price of the premiums you pay (the bigger the excess, the lower the premiums) against the amount you may need to contribute in excess payments if you need to make a claim.

Even with the risks and perils of loss or damage safely covered, you are still likely to play your part in minimising the need to make a claim – not least because of the no claims discount that is likely to be at stake. In other words, you may want to take every care in the way you drive your Transit and, if you have any employees, the care with which they drive it too.

With reference to those employees, remember that you may earn significant discounts in the cost of your insurance premiums if you are able to restrict the driving of your Transit to named drivers only. If you employ a regular team of drivers, therefore, it is worth naming each of them as the only drivers of the vehicle.

Remember, too, that if you have any employees at all, the law requires (in all but a very few rare exceptions) that you hold employers’ liability insurance against the possibility of one of them being injured or contracting an illness or other medical condition because of the work they do.

The law currently requires that you have a minimum of £5 million of such cover.

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