Private Van Insurance

Private van insurance is similar to most private motor insurance, with three principal levels of cover: third party, third party, fire and theft and fully comprehensive. All of these levels of cover tend to have liability cover, which means that if your van causes damage to any property or individuals, you will be financially protected. Likewise, most levels of cover include cover for your any legal fees should your van be involved in an accident.

If you keep tools in the back of your private van, you would be well advised to purchase a more comprehensive level of cover, as these will cover you for the theft of your contents. Third party, fire and theft, will only cover the van itself as opposed to the contents. Furthermore, it only covers the van (unsurprisingly) for the consequences of fire, theft or attempted theft.

It is useful to know that your private van insurance is valid to the same level of cover in Europe for 30 days. This is obviously handy if your transporting large goods to the continent.

As with usual motor insurance, you are more than likely to receive a discount from any insurer if you have a good no claims history. If you are a first time van buyer, the insurance company may well transfer any no claims bonus from your car insurance over to your van insurance. Likewise, they will take into factors such as where you park the van, where you drive it, how often you drive it and the use of the van in order to design a suitable policy. It is often harder to get younger drivers (around 20 years old or younger) insured on a van. As with all insurance, it is really worth having a shop around as there are savings to be made. It is likely that you will get a discount if you purchase your policy online.