Extra Features To Consider With Your Van Insurance
If you plan on taking a van out on the road, you are legally required to have insurance
, even though it can be costly. With the right policy, you can have peace of mind knowing that you and the van are well protected.Today there are more vans on the road than ever, which has made the insurance market quite competitive. You'll find that there are more choices available and better prices. When choosing the insurance for your needs, you'll have to choose the cover you want - either 3rd party only, 3rd party fire and theft, or comprehensive cover.
However, there are many other features that you can consider as a part of your policy too. Here is a look at just a few of those features you may want to consider adding when you are insuring your van.
1 - Breakdown Cover
Probably one of the big extra features that really is worth adding to your van insurance policy happens to be breakdown cover. This type of cover will help you out if you every break down on the road. Someone will come out and help you get going or they will provide a tow to a nearby garage.
Sometimes recovery will be provided if the van is not able to be fixed, you may be able to get a vehicle for onward travel, or it can include home start, which will provide you assistance if the van is at home or at your business and will not start. When you count on your vans to work, having breakdown cover can be a great feature to add on.
2 - Legal Assistance
Another feature to consider is legal assistance. Policies that include this feature will insure that you have cover for legal assistance costs if you are in an accident. Legal fees can be expensive and with this feature you get legal help and money to help you pay for the assistance you need.
3 - Courtesy Van
A courtesy van is a great feature to add to your current van insurance policy. Basically this cover kicks in for you if your van needs repairs or it ends up being in an accident. You can't afford to be without your van, especially if you have a business that depends on it. With the courtesy vehicle, you'll get a good replacement that will allow you to keep your business going, which is well worth the extra you'll pay for this cover.
4 - Cover for Tools
Cover for tools is a features that can be added on to your current policy for your van as well. While comprehensive cover often will pay a certain amount for any tools you have in the van, if you have lower amounts of cover, you may need something extra, such as tool cover, to ensure that your tools will be paid for if they are damaged in an accident or they are stolen from your van.
5 - European Cover
Do you end up taking your van out of the UK? If you plan on driving anywhere else in Europe with your van, having the feature of European cover is important. This type of cover extends your policy to cover you while you are in Europe, whether you have an accident or your break down. Before you add this feature to your van insurance policy, check to see which countries in Europe are going to be covered and consider whether you want to add this as a long term feature or just a short term option.
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