Getting The Right Commercial Van Insurance

When you are looking to get cover for a van that may be used for business purposes

, it is important that you get the right kind of protection. Getting cover for a van is a bit more complex than it is for a car and in order to get things right you need to be clear on what your van is used for and what you can afford to pay.

There are different kinds of commercial van insurance and any company that will insure a company van for goods in transit will very likely not want to offer cover for a van that is designed to carry a rock band from one gig to another. Many ordinary companies will not insure a vehicle that is going to be used for rock banding and the reasons for this are obvious, the valuable equipment that a rock band needs is all too easily stolen from a vehicle.

If you are looking to insure your van for use in rock banding, then you will probably have to find yourself a specialist insurer and this could prove very expensive. While most commercial van insurance covers the vehicle rather than the individual that is driving it, many ordinary companies will have problems with insuring a large amount of valuable music instruments and equipment. One of the best places to look for the type of company that will offer cover to a rock band van is in the musical papers. Because insurers know that bands will advertise in the musical papers for new members, they will often advertise their services in the same way.

You will need fully comprehensive insurance on your rock banding van, although that is not a legal requirement, it is simply common sense to make sure that you and your vehicle are covered for any eventuality. Fully comprehensive cover will protect you against the damage or theft of your vehicle, it will pay the costs of a third party if you are at fault in an accident and it will cover your medical expenses.

When you start looking for commercial cover for the van you use for rock banding, you should be prepared for the quotes you get to be fairly high. You will need to have enough cover to be able to replace the band's equipment if you are in an accident or someone breaks into the van and steals the instruments. You may need extra cover because you will be carrying passengers in a commercial vehicle. You need this insurance because if you are involved in an accident that is your fault, you could be liable to pay any costs accrued for every member of the van.

Rock bands and their vehicles and equipment are often regarded as a high insurance risk, which means higher premiums. Other factors that could add to the cost of your premiums are how much mileage you do and what, if any, extra security features you have on your van when you apply for commercial van insurance.

by: Tom Jones

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