The decision to buy a van is an easy one to make for many businesses because they simply need the extra storage capacity. Many householders who are not running or working in a business have vans too. For instance, campervans, or ones that prove useful at weekends.
When it comes to looking for van insurance, it is no more complicated than car insurance. Related questions will be asked whether online or over the telephone. Insurers such as one sure insurance are skilled in questioning those looking for quotations in a way that will produce all the discounts possible to keep the costs down in business or private situations. In business, a finance manager or business owner will be pleased to look at a profit and loss account that has a lower insurance figure in its expense’s column than the year before.
The Business Decision to Buy a Van
Trades benefitting from vans include builders, florists, couriers, and delivery drivers in general. There are specific policies to cater to diverse types of businesses as well as just general van policies.
Delivering parcels is an activity that can bring the criminal from behind the bush. Couriers must have their parcels insured as well as their van. Thieves have been known to drive off in vans containing parcels. If they get into cars to later find that there is a baby or dog in the back, then they are likely to be opportunistic enough to steal a van that is likely to have something in the back.
A tip for builders is to not leave tools in their van at night and to have a sign saying so. This would be useful if you decide just to have insurance for your van as part of your business. It often depends on your budget how far you can afford to go with insurance.
DIY-ers will benefit from the extra space the back of a van provides when there are things to tip after a refurbishment with their home. Also, not all tradesmen will clear up after themselves. At least if they offer it, they will charge for it. Skips can prove expensive, just for a small one. Having a van as a second vehicle can eliminate the skip costs in many home improvement situations. A small van may not be much more expensive in insurance terms. Larger vans will, of course, mean higher insurance premiums because of their greater engine sizes and storage capacities.
Van for Recreation
When we think of recreation, we think of campervans and holidays. These must be insured too. We will want to insure for the road and make sure that our contents have insurance protection too. This can be achieved by having an “all risks” cover on our house insurance. We can specify some of our valuable items and have them insured separately and outside the home. It is worth checking item value limits and then seeing if you need to purchase insurance for those items separately to your overall value for contents.
Van Insurance Considerations
People will tell you that it is more costly to own a van because everything will be more expensive. The insurance because of a larger engine, the extra fuel used because of its size, and the repair costs. It all depends on how useful the van will prove to be for your circumstances and the van’s size.
We have to think with insurance that there are other ways we can reduce our premium to compensate for our upgrade to a van. For example, we could accept a higher excess in the hope that we will not need to make a claim and then pay that first part of it. This will help reduce our premium. We can only buy an alarm or anti-theft device that the insurance company is going to approve of and so offer a discount for.
There are many advantages to purchasing a van. It is more useful for businesses and many aspects of home life too. In terms of insuring it, expect to pay more but in exchange for the extra use that it provides you with. It can be driven on a standard full driving licence, unlike lorries of a certain size. We can hire a van or buy one – the choice is ours. We can have peace in mind in knowing, though, that insuring a van is not dissimilar to insuring a car in terms of obtaining a quotation and receiving the policy documents digitally or in paper format.