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Irrespective of size or colour vans used for commercial purposes are required to the correct type of insurance. Finding low cost insurance cover has become far easier with the increase use of online insurance companies and brokers who specialise in commercial van insurance.

As with other types of vehicle insurance Third Party Only is the minimum legal requirement for driving on the UK public highways. Third Party is the least expensive insurance option, providing cover for damage to third party vehicles and persons if an accident was caused by you. This level of insurance does not provide cover for any damage to your van if an accident was caused by you.

Third Party Fire and Theft provides the same insurance cover as Third Party with the additional peace of mind that the van will also be covered it is damaged by fire or stolen.

Comprehensive insurance cover provides all of the things included in the other levels of cover (as above) with the great advantage of providing cover for damage to your vehicle if you caused an accident. This level of insurance has the highest premiums. Many insurance companies will offer 'inclusive' van insurance deals. These can vary considerably between insurers, but can help you make savings on a comprehensive insurance premium. Contact the insurers online or by phone and ask what aspects are included in comprehensive commercial van insurance.

Optional insurance cover can be added to any level of insurance. Options such as Goods in Transit will be required if you use the van to carry goods for other people for which you receive payment. Good in Transit may also be a useful option for those that carry their own goods, providing cover for goods which are lost, stolen or damaged.

Windscreen and glass cover can also be a beneficial optional extra. Providing cover for glass damage and breakage. Some insurers include glass cover with their comprehensive policies. It may also be possible to have glass cover which does not affect any no claims discount should you need to make a claim. Discuss this with the insurers as terms and conditions of glass cover will be applied.

The amount of mileage the van does in an average year may be taken into consideration when insures are calculating quotations. Those with low mileage may be offered discounts. Likewise if the van is only driven within a specific area this may also affect the insurance premiums. High risk areas, such as inner cities, may be subject to higher premiums due to the increased risks to the insurance companies. Those who use their van on the continent for either business or pleasure should inform the insurance companies at quotation stage.

The largest consideration the insurance companies will make is the amount of years claim free driving you have. Those who have a proven history of no claims will be offered discounts. The discount can dramatically decrease the annual commercial van insurance premiums. Those who do not have a no claims history may also be offered discounts but not at the same rate.

About the Author:

Paul Headley is a specialist insurance article writer. Staveley Head are a leading UK insurance broker for commercial van insurance

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