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Buying New Van & Commercial Car Insurance in the UK
If you drive a vehicle on the roads, you will need to purchase some form of car insurance. This will help you avoid the financial responsibility of paying for an accident that you caused in full after it has happened. There are many different policies available to meet your individual needs, and you can also find van and commercial car insurance policies as well.
Buying Van & Commercial Car Insurance Policies
These policies are designed specifically for people who operate a van on a regular basis, usually for business purposes. If your business requires that you provide transport services in a van or a commercial car, insurance is necessary to make sure that you have everything that you need. Van and commercial car insurance offers you a wide array of different benefits and special rates.
Buy a Policy for One Car or All of Your Cars
Whether you drive one van or you have a fleet of commercial vans for your business, you may want to consider comparing quotes online so that you can determine which company has the lowest rates on your van insurance. Although, you will also want to look at much more than just the price when comparing van and commercial car insurance. If you have any other type of commercial vehicle, you should also consider getting a policy that will help you feel safe and stay protected on the roads.
Exploring Your Options and Comparing Quotes Online
Since insurance policies on vans and commercial car insurance can be pricey, it is important to make sure that you explore all of your options before you decide on a policy. Many companies will allow you to browse their sites to find out how much you will indeed be charged for your policy. However, the figures are not typically provided on the website because the rates will vary from person to person. You can get free quotes online at all times from a trusted dealer if you simply complete a quick form.
If you are interested in comparing quotes from several different van and car insurance companies, you may want to consider using an online portal (car insurance comparison site) to generate a lot of results all at once. Instead of submitting your personal details to various insurers, you can submit it once and turn up several policies that you can compare and contrast.
One factor that usually plays a role in determining how much your insurance will be is the type of vehicle that you have. If you have a safe van or commercial car, you will be able to find much better rates than if you were not able to have a safe type of vehicle to travel in. In addition to the safety aspect, you can also look for discounts or markdowns on price that are only available to people that are attempting to insure a van or a company car of some sort.
Keep Your Business Running Smoothly with Van & Commercial Car Insurance
As you make your way through the roads, you will need to have insurance. There are many specific policies designed to provide adequate protection at affordable prices to people in the UK. By utilising the resources available to you online, you can begin searching for the type of policy that will benefit you and your company the best.
Protecting Your Company with Van & Commercial Car Insurance
As a small business owner, protecting your company with car insurance is a great way to keep the money rolling in over the years. You may be tempted to avoid getting insurance or a comprehensive policy for your company vans or cars, but this can actually help you get reimbursed if someone is involved in an accident. Without insurance, you will have to pay for the entire bill, which can be quite costly if the accident is serious. Even if it is not serious, you could be paying between £1000 and £5000 for damages to your vehicle and the other person involved in an accident.
A Variety of Policies to Choose from with Van & Commercial Car Insurance
Additionally, since the car insurance companies want to provide you with good policies, you will have many options to consider. You can either choose to buy basic cover or a more comprehensive policy to keep you and your driver protected on the road.
Keep Your Drivers and Your Company Protected
If safety is a top priority, one of the most important purchases that you will make is van insurance or commercial car insurance. Even if you only use the vehicles sparingly, you should still make sure that they are properly insured with a reputable dealer in the UK. This will help you avoid any legal trouble that could arise from not providing adequate insurance when your vehicles are in use.
Ways to Reduce the Cost of Van Insurance
If you are in need of van insurance, you may be considering a number of different companies to provide you with an adequate amount of cover. Saving money on van insurance is quite simple if you employ the tips discussed below.
Policies Available for Van Insurance
The first thing that you should do when searching for van insurance is to determine which type of policy is best suited for your needs. If your vans are relatively new and low-cost to maintain, you may want to consider a third party only plan. These will be less expensive, but they will not protect the van in an accident. You would be responsible for paying all costs associated with any repairs that would need to be made to your van.
If you prefer to have some type of cover on your van, you can opt for a third party fire and theft policy. If your van is stolen or catches fire, your insurance will cover these costs, but it will not cover costs to your vehicle if you are at fault in an accident. For comprehensive cover, you will be able to protect yourself from having to pay to repair your own vehicle as well as the other person’s vehicle. Once you have decided which type of van insurance is best for you, you can begin making your quote comparison count.
Considerations Made by Insurers Regarding Van Insurance
Most insurers will want to know the exact size of the vehicle that you will be driving. This can play a significant role in how much your premiums cost, and you should make sure to disclose full details on the van so that you are quoted the right price.
The insurer will probably also want to know the current market value of the van and any information that you might have on how much it costs to make repairs or replace parts on the van. Some vans may be rated on the weight that it can carry rather than the size.
Another consideration that will be made when determining the price of van insurance is how the vehicle will be used and how frequently it will be used. If the van will be used daily, your premiums will cost more than if your vehicle is only used sporadically a couple of times a week or month.
Comparing Van Insurance Rates to Find the Most Affordable Policy with the Best Cover
When comparing insurance quotes on van insurance, you should also make sure to look into how much the excess will cost. This amount will need to be paid (by you) up front before the insurance carrier will pay the remainder of costs. Finding a company that has a reasonable excess, a low premium, and great cover is the ideal when looking for car insurance. You can navigate to the home page of this site to begin comparing quotes with ease.
Whether you are driving a car, truck, van, motorcycle, or any other type of motorized vehicle on UK public roads, according to the Road Traffic Act 1988, you are required to maintain a minimum amount of insurance on it. This is mainly to ensure that other people, and their property, are compensated for in the event of an accident caused by you. Those Brits that own and plan on operating their vans on British roads may require additional kinds of insurance, depending on the usage of their vehicle.
Individuals that plan to use their vans for solely pleasurable and recreational situations need to acquire the same kind of motor insurance as those using cars and trucks for non-business related driving. This type of insurance is broken into three forms: Third Party, Third Party Fire and Theft, and Comprehensive insurance.
Third Party Car Insurance: this covers damage caused to other people’s property and vehicles involved in your accident. It also covers the medical expenses of those injured in the accident, specifically the driver in the other vehicle, his passengers, and your passengers. This insurance offers no compensation for your medical expenses or to assist you in paying for repairs needed to fix or replace your van. This type of insurance fulfils the bare legal requirements and is the least expensive in cost.
Third Party Fire and Theft Insurance: this provides the same level of cover as basic Third Party insurance, but also provides compensation to you when your van is damaged because of fire, and can assist financially in getting another van in the event that yours is stolen. This level of insurance costs a little more, but still doesn’t provide any help to you for medical expenses, and doesn’t cover you for damage caused to your van that needs to be fixed.
Comprehensive Insurance: this supplies the ultimate in van insurance and is the most expensive. Not only does it cover everything protected by the Third Party Fire and Theft insurance plan, but it provides the necessary monetary assistance with your medical expenses and van repair. The greatest benefit of this level of van insurance is the peace of mind it offers, ensuring that you have very little to worry about in the unfortunate event that you are involved in an accident while driving your van.
These three types of insurance plans cover you driving in your van for personal reasons. However, if you plan to use your van for business, there are a few other types of additional insurance plans that you may need to purchase as well. The specific insurance cover you will need depends on what manner you plan to use your van for.
Other Types of Insurance That May Need To Be Purchased:
1. Public Liability Insurance. If you will be using your van to transport people as part of your business, you will need to get this type of insurance. Although Third Party, Third Party Fire and Theft, and Comprehensive insurance polices already provide some compensation to the passengers in your vehicle, there is generally a cap to the amount of compensation that can be awarded. Having additional public liability insurance will give you the added protection that your business may require.
2. Carriage Of Own Goods Insurance: If you will be transporting products, tools, and equipment in your van, it would be wise to get this form of cover to protect against damage or theft. The ability to quickly recoup products, tools, and equipment vital to run your business can prove to be a lifesaver in the case that they get damaged or stolen.
3. Haulage Insurance: If your business involves the transport of the items of other people, then it would be advantageous to secure this form of cover. It will protect these items in the situation that they are stolen or damaged while in your care.
Is Van Insurance More Expensive Than Insurance On A Car?
The answer to that depends on the value of your van. If you are driving a large, heavier van that is priced on the high-end, than the insurance will probably be more expensive than the insurance on a typical car. However, if it is of average size and weight, and isn’t in the greatest shape, the insurance will most likely be comparable to your standard car insurance policy. Again, it really depends on the value of the van itself.
With regard to van insurance prices, the most effective way to ensure that you are getting the greatest amount of cover for the least cost is to compare several different van insurance policy quotes against each other. Now you could spend a few hours going to van insurance sites individually to get your quotes, but there is a far easier way. By using a site like CarInsuranceComparison, which is located at http://www.carinsurancecomparison.co.uk, you will be able to get your required van insurance quotes at lightning speed. The reason for this is that you only need to type in your personal and vehicle info into their web forms one time. The site will then take that data and send it to several top-quality insurance sites that they work with. In no time at all, you will have a list of quality van insurance quotes to compare. Simply select the one that seems best to you, pay online, and be able to print out your necessary insurance documents from the convenience of your home.