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About Low Cost Van InsuranceThe only way to get the best deal on your cover is to compare van insurance. UK Net Guide has teamed up with AutonetVanInsurance to bring you the best deals available in the market place. This will ensure that you get a policy to suit your needs, at a price that suits your budget
Van insurance is a legal requirement in the UK, so at the very least, you need to have third party van cover before you set out on the road.
Van insurance coverAs with car insurance, you have three options when it comes to insuring your van; third party; third party, fire and theft; and fully comprehensive.
Third party onlyA third party only policy is the legal minimum requirement if you want to drive a van on the road. It offers liability for injury to others, damage to property and liability whilst towing a caravan or trailer.
Third party, fire and theftAs well as everything that you get with a third party only policy, you'll also be covered against fire damage, the theft of your own vehicle and damage to your van caused during the theft.
Comprehensive van coverComprehensive van insurance gives you the highest level of cover possible, including everything you get with cheaper policies as well as loss or damage to your vehicle, accidental damage and usually windscreen cover, personal effects and even medical expenses, depending on the van insurance you choose.
Van cover exclusionsVan insurance will cover policy holders to drive a van up to 3.5 tonnes, but as with all insurance policies, there are invariably exclusions that you need to consider when choosing your van insurance provider.
Some cheap van insurance cover might not include damage to your windshield, for example. In order to find the best deal on van cover, compare van insurance and make sure that you read the small print of your policy before you sign up.
ExcessThe excess fee is the amount that you will have to contribute towards any claim that you make. Cheap van insurance might have a higher excess, so make sure you ll be able to afford this fee at short notice if you do get into an accident and have to pay towards the cost of getting your van fixed.
Some van insurance policies might also allow you to add an additional voluntary excess fee in order to reduce your insurance premiums.
Van Insurance UK - Added extrasIf youve got a new van and you want the highest level of insurance to make sure that you're covered against any eventuality, there are added extras that can be bought on top of your van insurance.
Some policies include trips to Europe, so if you think this is something you'll be doing often, make sure that you choose an insurance policy that includes European cover.
You can also add van rescue in case you break down, van hire to keep you on the road if your van is stolen or being repaired after an accident, and even legal expenses to help you recover costs if you get into an accident that wasnt your fault.
No claims bonusWhether you're looking for camper van insurance or cover for a white van, you'll be able to get discount van insurance if you have a no claims bonus. If this is your first van insurance policy, you'll be able to build up a no claims bonus if you dont make any claims for a couple of years. However, this is a no claim, not a no blame policy and you will lose your bonus even if you claim on an accident that wasnt your fault. You should still tell your insurance company of any accidents you have, even if you dont make a claim.
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