subject: The differing levels of van insurance [print this page] The differing levels of van insurance
You may be thinking of renewing your van insurance and you may have already received the renewal premium through the post. You have to think carefully however before renewing your policy with the same insurance provider. If you renew your policy, you will rarely get the best deal, as it's only when you compare different van insurance premiums can you get the best deal.
The lowest level of van insurance currently available and the legal minimum required is third party only insurance. This insurance does not cover your vehicle; it only covers a third party vehicle if you have an accident. If the accident was not your fault you will however be covered by the perpetrators insurance company. It's worth noting that you will not be able to make a claim if your van is stolen or if your van is scratched during daily use and you do not know who stole or damaged the vehicle.
If you need more protection than third party only van insurance can provide, you need to take a look at third party fire and theft van insurance. Third party fire and theft van insurance will provide cover if your van is stolen, if your van is damaged by fire or provide cover to a third party if the accident was your fault.
If you need a level of cover that provides more options than third party fire and theft, you should take a look at fully comprehensive van insurance. Fully comprehensive van insurance will not only protect your vehicle if it is stolen or if it surfers fire damage, it will also cover your vehicle if you have an accident that was your fault. Comprehensive insurance also cover a wealth of things like medical expenses and personal injury claims.
If you use a price comparison website you will be able to compare the different premiums offered by different insurance providers. Some insurance providers will offer extra benefits as part of their cover such as low excess levels if you have to make a claim. When you have the information in front of you on a computer screen, it's easy to see the differences and choose the best level of cover.
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