Van insurance is a vital requirement for all individuals who may be using their vehicle for work. Several classes of insurance policy exist for vehicles, including those for personal use through to requirements for fleet cover. It is important to note that if a business in any way makes use of a vehicle for commercial means a private motor policy is not sufficient and commercial insurance is legally required.
Any business looking at taking outmust ensure that any cover is adequate to their needs. A class one policy allows for a car to be used for both personal and work use, whilst those that need to insure a vehicle to be used by numerous drivers for commercial use must have a class two policy. If drivers are travelling from place to place looking for customers, for example as a ‘door to door salesman’, a class three policy must be held.
Van insurance then becomes even more specialised if goods and workers are being carried around, with commercial vehicle insurance a must if any employers are using vans specifically for these purposes. If a business has five vehicles or more, containing any mixture of heavy goods and light goods vehicles, or cars, fleet insurance is usually the better value option.
It is imperative if you are looking at taking out van insurance that you identify the correct cover for your needs. If drivers other than yourself are due to use vehicles you must also ensure that all of the drivers provide you and you in turn the insurance company details of all motoring offences they have or otherwise risk invalidating the insurance.