If your business requires you to use a van you will need to make sure that you have adequate business van insurance in place. It will probably not come as a surprise to hear that there are a number of things that you need to consider when looking at this type of insurance.
What Impacts On The Premium You Pay?
For instance, the amount of your business van insurance premium will be affected by a number of factors such as the make and model of the van, what you use it for, how many miles per annum the van will do, the level of cover i.e. third party, third party fire and theft or fully comprehensive, who will be driving the van and what is their age and driving record, what security devices have been fitted to it, the amount of excess and where the van will be parked overnight.
Are There Any Optional Extras?
Yes. You will need to decide if you wish to go to the expense of including optional extras such as breakdown cover, legal expenses cover and protecting your no claims discount, Another thing to consider is that, if you were to be involved in an accident that meant your van were off the road, would you need a courtesy van to enable you to continue trading?
It is important that you choose an insurance company that provides you with the level of cover that meets your needs. For instance, you may spend some time working in Europe and wish to take your van with you. Therefore, make sure that the business van insurance policy you select includes this benefit for at least the number of days you will be working overseas.
If, like many business owners, you are endeavouring to contain your business’s expenditure you may wish to consider shopping around for your business van insurance. There are various ways of doing this such as contacting your high street insurance broker or going on the Internet and searching for direct providers of business van insurance or using a website like the one that you are on that provides access to numerous insurance companies offering this type of cover.