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Van insuranceTypes of commercial van insurance policies: A fully comprehensive insurance cover is best type of policy to have for your van. The cover includes fire, theft and damage to your van and other vehicles. Comprehensive cover will keep your liabilities to a minimum and ensure safety for the drivers. This type of policy has the least extra expenditure involved. The policy will also protect against claims from third parties and vehicle insurance is a legal requirement. Tools and contents of your van can be insured as an optional extra. Third party fire and theft policy does not protect your vehicle and you, if you are in an accident. It protects other road users, their vehicles, against fire and theft. Again, tools and contents of your van can be insured as an optional extra. Third party cover has the least amount of protection for your money and is regarded as the cheapest cover. It only protects normal road users only. In the case of an accident the third party will be able to claim under your policy. There is no protection for fire, theft and loss of contents for your own vehicle. Further, there is no protection personally for you. If you have a old van which is not worth a lot of money, third party insurance may be ideal. However, if you have a new van on loan terms or an expensive van then you will need to protect your assets and comprehensive insurance will be the optimum cover to have. |
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