Commercial Van Insurance
Using a van for commercial purpose is so useful for making smaller deliveries. It is easier to park than a large lorry and is lighter on petrol, making it a much more economical vehicle to run. Furthermore, if needs be, it can be converted to an overnight sleeper if you have to make a long haul trip and want to cut the cost of sleeping in hotels.
Like all other motorised vehicles, commercial vans need to have insurance. One can never be too careful on the road, and commercial vans spend many hours driving around the country, so requiring adequate insurance as a precaution from any potential hazards that have a habit of nastily suddenly pouncing.
Besides the vehicle tax, it is also compulsory to have third partyand that they be kept in good roadworthy condition, otherwise their annual licence is not renewable.
There is a choice of three main types of commercial van insurance packages for selection.
Third party insurance is a basic form of insurance that covers your liability for bodily injury or death to others and to their property.
Third party fire and theft covers risks from third party and the risk of fire damage and should there be theft of your vehicle.
Some of the insurers will include for you in your third party, fire and theft policy, and the contents of your van as well. Otherwise, it is possible to have it added on as an optional extra to the policy.
A comprehensive cover policy for commercialautomatically includes third party fire and theft or damage caused by accidents or vandalism to your van. Insurers may also include a personal accident benefit cover for you if you are injured, or should die in an accident.
Overall, commercial van owners tend to work their vehicles hard and keep them for as long as possible before replacing them. Because of this, vans do have the tendency to break down more often than cars, so it is worthwhile for commercial van owners to include a breakdown clause into their policy contract.
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