Transit and Commercial Van Insurance Quotes OnlineThe term van insurance conjures up images of white van man who typically drives a Ford Transit van. Were it so simple, van insurance would be equally straightforward and lots of companies would offer it. But a van can come in all sorts of forms and you might need to look for a specialist insurer to handle your needs fully.
The most common type of van is the Transit-style and all its similar manifestations. Variations on the theme will determine the group the van fits into. Insurance companies have twenty classifications for vans that affect the cost of insurance. These classifications depend on the level of risk and the cost of repair.
The size of the van affects the cost of insurance, with five categories being used that range from vans derived from cars through to large vans that carry heavy loads. The insurance group is also dependent on engine capacity and type, price, cost of parts and security measures. Vans up to 3.5 tonnes fully loaded can be insured as Light Commercial Vehicles while those above that weight are classed as Heavy Goods Vehicles and need different insurance.
Particular characteristics of the van and how and where it is used will affect the insurance. You may have a 'hobby' van that's only used for social, domestic and pleasure purposes. Whether used for business or not, a van may be modified in some way or could be a grey import that requires particular consideration.
Most vans are used for business purposes and so need the correct type of policy as well as cover for their contents. These contents are of particular importance when a van has a specific use, such as an ice cream van, milk float or any with refrigerated facilities. You may also carry hazardous goods or have a motorised horsebox.
Other variations apply, from tipper trucks to pickups and those with double cabs. Electric vehicles are also likely to be increasingly common. You may have a history of previous claims or employ drivers with convictions, which can complicate matters further. In summary, van insurance is a more complex subject than it first seems and so specialist insurance is often essential.
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