The Many Reasons to Need Van Insurance

The Many Reasons to Need Van Insurance
17 May 2022

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Van insurance is a necessary part of owning and operating a van. While it may seem like an unnecessary expense, there are many reasons to have van insurance that goes beyond just protecting your vehicle. Van insurance, offered online by companies such as one sure insurance, can protect you and your business in several ways. Here are the top five reasons to have van insurance:

To Protect Your Vehicle

Van insurance will protect your vehicle in the event of an accident or other damage. But van insurance can also protect you from things like theft and vandalism. If your van is stolen, van insurance can help you get back on the road quickly and with minimal financial loss.

To Protect Yourself

If you are involved in an accident, van insurance can help cover your medical expenses and any legal fees that may arise. Even if you are not at fault, van insurance can help protect you from the financial burden of an accident.

To Protect Your Business

If you use your van for business purposes, van insurance can help protect your business in the event of an accident or van damage. Van insurance can also help cover the cost of business interruption if your van is damaged and you are unable to work.

To Save Money

While van insurance may seem like a costly expense, it can save you money in the long run. If you are involved in an incident or your van is lost, van insurance can efficiently resolve the issue without significant financial loss.

Ways to save money with van insurance beyond not having to pay entirely for a vehicle loss because it is covered, include:

• Obtaining quotations from more than one insurer to find a better premium.
• Focussing our efforts on insurers who specialise in insuring vans for a price geared more to our expectations.
• Considering the size of our van.

Comparing insurers is a chance to discover if they are offering similar rates or if one is particularly competitive. Ensure, though, that you are comparing like-for-like and being quoted on the same cover and excess for a direct comparison.

Insurers known for van insurance will generally offer the best price as they have their customers’ interests in particular focus. They are used to this area of insurance and so can more accurately assess risk. The companies will also be interested in growing this sector of their business and so be prepared to offer tempting introductory discounts. After that, it is up to a new business or individual with a van to increase their discounts by building up several claim-free years of motoring whatever the purpose of their journey.

In terms of the latter, we can make sure that we only use a van that is the right size for our purposes. A larger van will generally be more expensive to insure because of its engine size and capacity. It is something to think of when insurance is one of the costs. We will need to balance the increased cost of insurance against the increased cost of fuel when more trips are required because of a lack of capacity inside our van for items that need transporting.

To Have Peace of Mind

Van insurance can give you peace of mind knowing that you, your business, and your van are protected in the event of an accident or other damage.

The purpose of insurance is to put a business or person back in the same position financially as before the accident or claim. Insurance will consider the value of items being insured and the liabilities involved. While the third-party cover aspect of policies is an essential part of motoring in any vehicle, because of its legal requirement, extending protections further can have everything covered to not have to worry about anything.

Van insurance is an important part of owning and operating a van. There are many reasons to have van insurance, from protecting your vehicle to ultimately saving money should the worst happen. Van insurance can give you comfort in knowing that your van and its contents can be protected in the event of an accident, fire, or theft.

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Craig Silva

Craig is a husband, a father, team leader, travel and food writer, senior youth group coordinator, designer, brander, community builder, volunteer, and social media strategist. Craig likes to travel, go camping, go on road trips, watch movies, build stuff, operate the grill, and sing with his band. Craig is a member of the Travel Media Association of Canada. In June 2017, PR firm Cision identified Craig as one of Canada’s top 10 most popular male bloggers in the parents and family space.

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