For van owners, getting the right type of insurance is extremely important since they often rely on their vehicle to make a living. Below is a guide to van insurance including the types of cover you can get and ways to make your van more secure.
Types of cover
- Third party – Third party insurance will enable you to drive your vehicle legally but will only provide cover for other motorists if you were to blame for a collision. It’s never a bad idea to get a dashcam to help clear up such things as it’s often not clear who is to blame for a collision.
- Comprehensive – A comprehensive policy will provide full protection for your van, including for collisions, fire damage and theft.
- Contents cover – Contents cover is extremely useful for van drivers and will cover the contents of your van for theft and damage.
- Breakdown assistance – Breakdown assistance is always important for van drivers. If you don’t already have cover then you will be able to have it included in your policy as an additional cover option.
Making your van secure
- Remove any tools/contents overnight – This is very important. Often when vans are broken into it’s not because thieves want to steal the vehicle but the contents inside. Therefore removing them will remove that risk.
- Park securely – Parking your van securely is always recommended, both when you’re at home and out and about. Having somewhere secure to park your van will also help keep the cost of your insurance down.
- Install an immobiliser – An immobiliser will help to make your van considerably more secure and reduce the chance of it being stolen considerably.
- Install deadlocks – Deadlocks are another security feature you can have installed on your van to help make it more secure. They are essentially a set of locks that are separate to this already on your van to provide an added layer of protection.