- With every van insurance policy sold, we add a free claims assist package
- This gives you access to a full accident management service for all accidents
- If it is a non-fault accident, there is no excess to pay
- And a like-for-like replacement vehicle is provided for the time your own is out of action following a non-fault claim
The ins and outs of insurance for vans
If you have a van, it needs to be insured. The law is unequivocal on that score and makes it a requirement even if the van is parked and kept off road – unless you have obtained an official statutory off road notification confirming that you are not going to be using it.
Whatever the temptation to cut corners and duck this legal requirement, it is likely to come at a high price and one to be ignored at your peril. The law imposes stiff penalties if you are the keeper of a vehicle that does not have the legal minimum of third party insurance. If that vehicle is being driven whilst uninsured, the penalties are even stiffer.
So, you decide to play by the game and arrange cover for your van. That leaves you with the decision of whether to restrict the level of insurance to the legal minimum of third party cover only or seek to provide the greater protection of third party, fire and theft or fully comprehensive insurance.
Levels of van insurance
If your cover is limited to third party only, you are able to meet any claim from a third party who might be injured or have their property damaged as the result of the way your van has been driven, but this level of insurance offers no protection to the vehicle itself.
For that, you might need third party, fire and theft insurance, which – just as the term suggests – also provides protection against the risk of the vehicle being damaged or destroyed by fire or stolen.
In recognition of the pivotal role your van may be playing in the essential day to day operations of your business – and the difficulties you might face without it – you might choose comprehensive insurance. This protects the vehicle against many forms of damage and helps to ensure that the funds for repairs or replacement are readily available following any accident.
constructaquote.com aim to make the process of making a claim considerably easier for our customers, especially if it is a non-fault claim. The legal expense policy offered with this insurance, subject to certain terms & conditions, can provide legal support if you, your driver or a passenger is injured in an accident and that a like-for-like replacement vehicle is provided to you throughout the period of repair and settlement of your claim.
Why is tradesman liability insurance important?
There is no law requiring you to have tradesman insurance, but without it, you might lose the opportunity of landing some of the contracts you are chasing. The simple fact is that the appropriate insurance gives your customers a degree of reassurance that if something goes wrong, you are adequately covered to make amends.
Goods in transit
We also recognise any concern you may have to protect whatever load you might be carrying in your van. Whether the load comprises items you own or whether the van is transporting goods or materials owned by one of your customers, our Goods in Transit insurance is available to protect them against theft, loss or damage.