subject: Going Online - The Key To Finding Cheap Van Insurance [print this page] No matter what type of insurance you're looking for, you'll find going online is by far your best choice. Every single day, there are millions of people all over the UK taking advantage of the internet in order to insure their cars, their homes, their motorbikes, and even their businesses.
Of course the most obvious reason for going online is because it's just so convenient, considering you can shop around from the comfort of your own home, or even during your lunch hour at work. With that said, purchasing cover online is also the cheapest option because virtually all insurance companies are willing to offer consumers discounted rates if you do. Another huge benefit is that there are also several insurance comparison websites you can visit, and with just a few mouse clicks, you can literally have hundreds of quotes sent to you.
One thing you need to bear in mind if you own a commercial van is that commercial vehicle insurance and private vehicle insurance are two completely different things. In other words, if you currently have regular van insurance, you're forbidden by law to use that vehicle for any type of business activity.
If you are using your van for business purposes, then you need to get the correct type of cover. Obviously, as a business owner you'll no doubt want to find cheap van insurance, but apart from the cost, there are other things you need to focus on as well. For example, you need to be sure your policy will cover your vehicle not only against things such as theft, vandalism, and collisions, but it should also be able to provide cover for any passengers.
Considering you run a business, a vehicle accident could result in several days of downtime, which in turn means loss of earnings. With this in mind, a good insurance policy should see to it that you are provided with a temporary replacement vehicle until such time yours has been repaired.
If you or your driver drives the vehicle into a wall, then it would just be a matter of submitting a claim, but it you drive into someone else's vehicle, or perhaps a pedestrian, you could find yourself being summoned to court, and of course you'll then require representation. The reason for mentioning this is because you need to make sure your insurance policy includes what's known as 'motor prosecution defence'.
As they say in the business world, time is money, and if your vehicle ever breaks down, that lost time is going to be costing you money. While it may not be essential, you might want to consider having breakdown cover included in your policy as well. The last thing you need is for your van to be left unattended next to the side of the road, particularly if there are valuable contents inside.
Many business owners and private contractors believe that if they want cheap van insurance, they'll simply have to settle for third party, fire and theft cover. The truth is however, you can get all the cover you need without having to pay an arm and a leg for it.
Do yourself a favour and go online. Whether you make use of comparison sites or not, you will almost certainly be able to find cheap van insurance if you do a little shopping around.
by: Tom Jones
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