Van Insurance

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Whatever your van insurance requirements, we have access to a wide range of facilities from leading insurers, including Norwich Union, Fortis, AXA, MMA, Allianz, KGM, Equity Red Star and Zurich.

Types of Cover

The cost of your car insurance cover will differ according to the type of cover that you choose.

The Road Traffic Act requires all motorists to be insured against their liability for injuries to others (including passengers) and for damage to other persons' property resulting from use of a vehicle on a public road or in other public places. This is called Third Party Insurance. It is an offence to drive your vehcile, or allow others to drive it, whilst on the public highway without at least Third Party Only Insurance.

This covers liability for:

• Injuries to other people, including passengers
• Damage to other people's property

The next level up is Third Party Fire and Theft, which will also pay up to the market value of your vehicle if it is lost or destroyed following fire or theft. There is no cover for broken or damaged windscreens or for accidental damage or to your own vehicle.

If you select a Comprehensive policy, you would normally be covered for everything that a Third Party Fire and Theft policy would cover, plus accidental damage to your own vehicle, loss or damage to personal effects in the vehicle up to a stated limit and cover for broken or damaged windscreens.

Help lower your premiums

Certain factors can help lower the overall cost of your commercial vehicle insurance premiums. Examples of features insurers look upon favourably when calculating your car insurance premium:

Security

Install an approved alarm and immobiliser, such as a Thatcham 1 or Thatcham 2. All improvements to security could help to lower your commercial vehicle insurance costs.

Policy excess

Change the excess you are prepared to pay on any claim to reduce the premium. With voluntary excess the more you are willing to cover yourself in the event of an accident the lower your premium.

Parking

Keep your vehicle parked in a locked garage overnight if you can - this can help reduce the premium. More than half of vehicle thefts occur during the night so if your vehicle is safely locked away it makes sense that your insurance costs will be reduced as a result.

Your van insurance can be tailored to include the following benefits:

• 24 hours/365 a year helpline: Available to call in the event of an emergency or claim
• A Replacement Van: This will ensure that your business does not stop when your vehicle is off the road
• Generous No Claims Bonus
• Immediate Cover
• RAC Breakdown Assistance
• Sign Writing Costs: Repairs to your vehicle will often require the rewriting of damaged signs. We can include cover for replacement sign writing costs

Keep Motoring Insurance

Available for £20

The solution to keeping you mobile in the event of a total loss or theft

Keep Motoring is designed to keep you mobile in the event of a motor accident that renders your vehicle a total loss or if your vehicle has been stolen.

The low premium that you pay for the policy guarantees that you will receive a hire car or commercial vehicle for up to 10 days when you need it most.

• Guaranteed hire vehicle available
• Low annual premium
• Fast delivery, drop off and pick up
• Option to upgrade to a vehicle with a higher specification
• Exceptional service & national coverage