Smart Ideas For Your Commercial Van Insurance
These days, most companies prefer to use vans for their business tasks
, which led to an increase of insurance companies offering commercial insurance for vans. This is a good advantage for the small business owner, because there are more options he can choose from, and if he does his homework well he can end up with the best affordable insurance cover that can meet his requirements.
There are three types of commercial van insurance that are quite common - a third party liability only, a third party with fire and theft protection or a comprehensive insurance coverage. What's good about commercial vehicle insurance is you can actually customise it according to the risks that you want to be specifically covered, in relation to the type of business you have.
Here are the most common riders or add-ons that you may include with your insurance cover. Your premiums may be a little higher than regular cover, but you will get the peace of mind knowing that you have extra protection in case an accident or a calamity befalls your vehicle.
1. Any Driver Cover:
This is ideal if you have different people driving your commercial van, especially if you have different drivers tasked to do deliveries of goods to your customers. Knowing that you have adequate cover for anyone who is tasked to get the van on the road for business gives you the assurance that your company and your employees are well protected.
2. European Cover:
Does your business require you or your staff to travel outside the UK using your commercial van? If you travel using your van around Europe, it is just practical to get a European cover that will give you financial protection in case it breaks down or gets involved in an accident outside the UK.
3. Breakdown Cover:
A breakdown cover will assure that you get timely repair service in the event your van breaks down in the middle of the road, and can assure you that your business will not be affected drastically because of it. If your van can not be fixed right away, many insurance companies will usually provide a replacement vehicle which can prevent more delays in deliveries. The extra cash you pay is well worth it, considering that you will be saving your company several pounds that you might have to spend on renting a temporary van if you don't have this kind of cover.
4. Cover for Goods:
If your business requires you to transport high values from one point to another, a smart move will be to insure the contents of your commercial van. Regular vehicle insurance will sometimes not have cover for goods being transported, or even the tools that you use for your trade. This is a good protection against fire or theft and will allow you to deal with losses easily in the event the goods you are selling or the tools you are using are damaged or stolen.
The key to finding the best insurance quote is to know the specific risks that you want protection from. Today, doing comparisons among insurance companies is a lot easier because of websites offering insurance quotes from at least 10 or more insurance companies. Be sure to check these websites that can help you decide on the best commercial van insurance package.
by: Tom Jones
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