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| Van Insurance |
When I bought my van, I didn't realize that I needed a different type of motor insurance than my regular auto insurance. I also did not realize that there are so many classifications of types of insurance. There is insurance for small goods vehicles. This is insurance for vehicles that are less than 3.5 tonnes.
There are other vehicle classes for vehicles over 3.5 tonnes. This is for vehicles that are medium or large sized freight vehicles. There is insurance for passenger transport vehicles and rental vehicles. Agricultural and forestry vehicles are in a class of their own. Motorcycle dealers are also segregated into separate classes.
Other vehicles such as dumpers, tippers, cranes, fork lift trucks, mobile plants, mobile shops, ambulances and hearings all benefit from their own specialist classification as they all have specialist business activities and move or carry different types of goods.
It is important to remember when purchasing commercial vehicle insurance that you are providing the intermediary or insurance company information such as the tonnage of the vehicle, the use of the vehicle, and what if anything is carried by the vehicle.
Does the vehicle have an alarm or is the vehicle parked at night. Another factor that affects the premium is the age of the vehicle. It is best to speak with your intermediary as additional coverage may also be required for haulers, trailers, temporary replacement vehicles and for damage and equipment coverage.
Buying insurance can be confusing because there are so many types of insurance companies and intermediaries. It's a good idea to talk to a few people to see what service is best for you. Also don't be afraid to go online. There are some great deals to be had from insurance companies and online brokers, and they may be able to provide you with immediate coverage if you need it.
Also don't forget that commercial van insurance usually doesn't cover equipment and supplies left in the van or items in transit. To obtain coverage for these items, you will need to obtain a separate merchant's insurance policy.
This is a combined business insurance plan that also protects you from liability. Whatever your trade, you will also always need a commercial business van insurance policy. Even if you run a fleet of vans it is very easy to compare business van insurance quotes online today and many insurance companies offer quotes if you go direct.
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