Vans
have been the workhorses of business in the
UK
for decades now. Countless companies utterly depend on their
vans to earn their living, so finding the right deal for van
insurance is an imperative for thousands of enterprises.
Regardless
of the size of a company, be it a fleet owner or a sole trader,
being mobile is equally as vital. The need for good value van
insurance that adequately covers all the risks inherent in day
to day business operations is, then, a major consideration to
test the management of many
UK
companies.
Commercial
van insurance, therefore, needs to be as hassle-free as
possible, not time-consuming. For, as we all know in business,
time is money. The last thing we want is to have a vehicle off
the road for any longer than absolutely necessary.
So
what should we be looking for in a commercial van insurance
company?
Firstly,
they have to be accessible and keep admin work to a minimum.
No-one wants to be treated like a pinball when it comes to
making a claim. Can you lodge a claim with one phone call and
get guaranteed repair work carried out promptly?
Not
all commercial van insurance policies are the same, so check
whether a policy includes a free courtesy vehicle while your
own is out of action. The worst-case scenario for a small
company is to have their van in the garage and no means of
visiting clients. While you can probably put up with having
your car off the road for a few days, the same can’t be said
for vans when livelihoods and business reputation are at
stake.
Generally,
the level of cover and benefits, will be determined by the
type of policy you opt for. Like ordinary private car
insurance, the best level of protection and back up for a
business operating commercial vans are offered by
comprehensive policies.
What
you end paying for commercial van insurance though is largely
subject to your own individual circumstances, e.g. type of
business, type of use, mileage, previous history etc. In this
situation it’s worthwhile shopping around as the quotes you
receive are likely to display a significant degree of price
variation.
Asking
yourself some of the following questions should help shape the
price point of quotes you request from commercial van
insurance companies:
-
If
my van was off the road, could I make cheaper alternative
arrangements to reach clients? Or do I need to opt for a
policy that includes a free courtesy vehicle?
-
What
can I afford as an excess?
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