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.
Should you cover you vehicle under business, the vehicle would need to be registered in the name of the business. A sole trader is permitted to get coverage on the vehicle in his or her name. The amount of mileage for personal use will determine how you may cover it. This means that if most of the travel is personal, then you can cover it under a personal policy.
If you need the vehicle to be driven by an employee, then it will require business cover. All the people who drive the car will have to be listed onto the policy schedule. Each of these drivers history will be taken into account when factoring the premium. Commercial policies are also appropriate in the case of visits to clients and for delivery of goods.
The premium will vary, depending on the risk factor of items that you are transporting. Items that are generally transported include tools or supplies, hazardous materials, cleaning materials and perishable materials.
The place where the vehicle is parked plays a significant role in the rate you will be charged. The risk of your car being damaged or stolen when it is parked in a locked garage is significantly lower than in the street. Added security features such as alarms, immobilizes and tracking devices will go a long way to decreasing the risk.
Vehicles used for business and in particular to transport goods, need van insurance, primarily to cover the goods that are being transported.
by Dan Kelly
About the Author:
Did you compare van insurance? You should do it if you have a van. Van insurance comparison is special when it comes to getting cheaper insurance.
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