Drivers of light delivery vehicles could get confused when contemplating what van insurance to take out. More often than not, these vehicles are used for business and personal. Covering them for the purposes of claims becomes problematic. It can be covered for either personal use or business use. Premiums differ significantly enough to make this choice daunting. Therefore, you should endeavor to cover it under the right category.
Business vehicles should be registered in the name of the business and would be required to be covered under business cover. The vehicle will then have to be registered in the name of the business. A sole trader is allowed to have the car registered in his own business. The key determining factor is what the car is be used for. If it mainly business then business cover will be needed.
Should employees be required to drive the car, and then commercial cover will be needed. Each of these drivers will be included on the policy schedule. The company will assess each drivers driving history and record. This is for the purposes of pricing the policy. When clients need to be visited or goods delivered, then commercial cover will be required.
They type of goods that are being transported also affect the premium. The types of goods could vary and could include perishables, cleaning materials, hazardous materials, supplies or tools.
Parking the car in a locked and secure garage could enable you to get a lower premium. A car in the street has a significantly higher probability of being damaged, stolen or broken into. Another way of reducing costs is by adding anti theft and anti hijacking measures. These could things like tracking systems, alarm systems and immobilizing systems.
For people using vehicles for business and specifically transporting goods, van insurance is necessary to insure the goods being transported.
By James Clapton