It is essential to ensure that you can find good value van insurance quotes for your company - the difficulty is that the huge amount of insurance terminology can occasionally make it hard to figure out just what cover you need, and what you don't.
All business owners need to be aware of the two compulsory insurance requirements all. Although they are compulsory, they only apply if you have employees or a van or commercial vehicle. Employers' Liability is the most important of the two; if you have any employees, even if they are on a part-time or casual basis, you have to have this cover. If an employee is injured, or suffers an illness due to work, then this covers the cost of any compensation that you might need to pay out.
Obtain Van Insurance Quotes
You need to have van insurance if you use a van or vehicle in the course of your work - even if you own the car or it is a company van. You need to ensure that your insurance certificate covers you for personal use, as well as business use, if you use it for both. This means extending your existing policy to Class One.
You will need Class Two cover if you want to be able to let other drivers use your commercial vehicle or van for business purposes. Class Three cover is required if you need to use the vehicle for commercial travelling purposes, ie driving to different locations to find customers.
You will require van insurance or commercial vehicle insurance if you have a vehicle or van that is used solely for business purposes. Usually, this type of cover will provide third party cover for any trailer that you attach to the vehicle, and also pay for a courtesy vehicle while yours is being repaired.
Another option for van insurance is goods in transit cover. This is worth considering if you have to transport goods across the country as it covers these for loss, theft or damage, regardless of whether the goods were being carried in your own vehicle, by post, courier or road haulier you can find good van insurance quotes online. The insurance policy also needs to cover you on other journeys that you make for business purposes, including trips to the cash and carry and door-to-door deliveries.
By: Peter Fitzpatrick
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