The van insurance is a legal requirement and is gaining popularity in UKas it protects you and van, motorcycle or a car from any damage. There are many types of van insurance according to your need. The one- day van insurance is the best when you are shifting to a new house or going on a trip. When you want to use a van for a small job, then weekly van covers are the best choice. The short- term van covers are the best when you need a van for a month or more. Many insurers also provide multiple quotes like one day van insurance by tempvaninsure.co.uk.
Here is a guide on van insurance that you should know.
- Different levels of van covers– There are mainly three types of the van insurances- third party covers, fully comprehensive cover and third party with theft- fire cover. The third party insurance is not for your own van. It covers any damage that you cause to other person’s vehicle while you are driving. The cover that includes all the damages caused to other’s van and your van from fire and theft is third party theft and fire cover. The full comprehensive cover gives the repairing cost insurance.
- Extra policies with van covers– You will get many add-on policies that boost the van cover level. You will get breakdown cover; it helps you to restart your journey by repairing your van if it breaks down. The tool cover is also provided as extra policy, it covers the cost of the tools replacement in the case of defect and stolen.You will also get legal covers that will help you in the case of accidents that is not your fault. Some also provide multi- can covers that protect more than one car or van in a single policy.Some also gives you extra or additional drivers for an emergency.
- Van insurance cost- When you take van insurance, your insurer will calculate premiums using many things like van details, driving history, age and policy. The details about the van will totally influence the premium cost including size, age of the model and also the modifications if you made. If you do not have proper driving history or have many claims on insurance, this also increases your premiums. If you are inexperienced or younger driver, some insurers charge more premiums.
- Ways to reduce cost of the van covers– There are many ways to reduce the cost of the van insurance policy. Installing a better security like extra anti- theft security, as this reduces the chance of being stolen. As a result it decreases your premiums. You can also get some discount on the van cover policies, if you have experience of driving or taken a driving course. This also helps you to reduce the cost of the insurance.Having a telematics policy will also decrease your premiums, as in this policy the insurers will install a black box in van. This black box monitors your habits of the driving.