Whether you need a van for pleasure or for business, you will need to insure it before you take it on the road. But what type of insurance should you get?
Private or Commercial?
Insurance companies need to understand what you will do with the van. If you use it as a personal vehicle, to engage in hobbies and leisure activities, you will need private cover. This is very similar to a normal car policy and will allow you to use the van for social purposes and potentially for commuting to a single place of work.
If, however, you will use the van for business, either for couriering packages for other people or carrying your own tools to each job you go to, you will need a commercial van policy. You will need to declare whether you will use the van to carry your own equipment or other people’s possessions. You will also need to declare any signage or modifications made to the van to advertise your business or make it more suitable for your intended use as these may have a bearing on the risk level.
What types of insurance are available?
As with a standard car policy, you will be able to choose between third party only, third party fire and theft, and comprehensive cover.
How to get a great deal on van insurance
When looking at used vans for sale Oxford, consider what insurance group it falls into as the lower the insurance group, the cheaper the cover
Before buying a van, check out several different types at a dealer such as cotswoldvancentre.co.uk/buy/used-vans-for-sale/oxford/ to see what is available and which will be best suited to your intended purpose. The fewer modifications you need to make, the better your chance of getting a great insurance deal.
The higher your no-claims discount, the greater the savings that are available to you. Also, paying for your policy annually can deliver excellent savings and securing your van off the road when not in use can pay dividends.
Take your time and compare quotes to get the best possible deal.
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