What insurance does a man with a van need?
This will largely depend upon the nature of the business you undertake but the primary consideration with be a suitable commercial motor insurance policy that provides you with the cover you need to fulfil you legal obligations for a valid motor insurance policy and also caters for your won motor insurance requirements in respect of loss or damage to your own vehicle.
It is very important that your business description on your policy matches the actual business you undertake as this can affect your insurance in the event of a claim under the policy. Often van owners are engaged in a variety of different activities such as collection and delivery, courier, house clearance or waste disposal and it is vital that you insurer is aware of these facts.
You can apply on-line for van insurance from a panel of leading insurers or you can call us directly to discuss your requirements and make sure that you are covered for the business you undertake.
You may also wish to consider a liability insurance policy that protects you against claims made against you for your legal liability for personal injury or property damage arising during the course of your business. Whilst the van insurance protects you in respect of claims by third parties in respect of the road use of of the vehicle, this insurance provide cover in respect of activities that happen “outside” the vehicle.
This policy, a public liability insurance, can also be extended to include employers liability insurance in respect of any claims made against you in respect of your legal liability for death disease or injury sustained by an employee during the course of your business. Employers liability is a legal requirement for the majority of employers in the United Kingdom
You may require additional insurances in respect of your business, such as cover in respect of any property you own and you can call us to discuess your requiremnets of all aspects of your business insurance requirements including your van and liability insurance.