Cheap Commercial Van Insurance. Cheap Business and private van insurance for UK van owners.

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Motoworld.co.uk provides you with quick, easy and safe access to many of the most trusted and biggest names in both Van and Taxi Insurance. The insurance providers found here are among the UK's leading specialist Van and Taxi Insurance providers

Why buy Van Insurance?

UK law requires that every van is insured as described by the Road Traffic Act of 1988. Basically the bottom line is that 3rd Party is required because this will cover you for injuries that you might cause to other people as well as the potential damage that could be caused to their property. Vans with a gross vehicle weight of less than about 3 1/2 ton are considered small commercial vehicles while any vehicle with a gross weight over 3 ½ ton is considered a truck for want of a better description. Naturally other licensing requirements come into play too. This could be a different drivers license and a haulage operator's licence for instance.

It would always be wise to check your drivers licence before you actually buy a van to ensure that you hold the appropriate licence to drive it. Many UK drivers who got their licence before 1986 could find they are allowed to drive a larger van than those who got their drivers licenses after that date. This could even be the difference between being legally allowed to drive a truck you hire with curtain sides to move house!

There are three main levels of van insurance and several categories of van insurance. If you are a business owner of courier driver or you use your van in any way for the purpose of obtaining reward for its use then you would be best advised to find out exactly what insurance you require. Courier insurance for instance can be very expensive and you may also find it best to buy liability insurance and goods in transit insurance too. Basic "third party" insurance will usually cover you to the level required by law and no more! Then again that may be all you need. "Third party fire and theft" van insurance also covers you for damage caused to your vehicle should you be the victim of a crime such as theft and fire, It is important to bear in mind that should you m=need to make an insurance claim and you are insured correctly your insurer will actually on pay you out the book value of the van at time you made the claim. The insurer will not honor the depreciation your van has suffered since you bought it. If you own a new van then you have a valuable asset and you may feel it would be prudent to buy "comprehensive" van insurance which would also cover malicious damage. Some "comprehensive" van insurance policies also include optional or free extras such as free breakdown cover both for the UK and mainland Europe, Cover for the loss of, theft, or damage to your van and its fixtures and fittings and even offer Legal services to cover legal fees in the event of an accident!