Van Insurance Cover
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Third Party Only Van Insurance
Third party only insurance only covers you for damage or injury to a third party. You will not be covered at all for personal injury, or damage to your vehicle. TPO insurance covers you against any claims made that arise from a motoring accident. This is the minimum level of cover required by law in which allows you to drive on the road.
If you have had an accident and you are proven to be at fault, your insurance company will pay the money that is owed by law to any injured parties, and even to those killed in an accident. If you have damaged property, this will also be covered. Any legal costs incurred will also be covered.
If you have an accident and are proven to be at fault, your insurance company will pay for the compensation awarded against you. If your vehicle is damaged and you are proven to be at fault then your insurance company will not pay for the damages to your van just to the third parties.
Third Party Fire & Theft Van Insurance
Third party insurance only protects you against any claims made against you as a result of having an accident. The fire and theft aspect covers you against damage to, or loss of your vehicle due to it being stolen or set on fire.
Under third party fire & theft you will also be covered for legal costs for e.g. Costs for a solicitor.
If you have the misfortune of having your van stolen or damaged by a thief, with a third party fire and theft policy you will be able to make a claim, providing you have reported the theft to the police.
Comprehensive Cover Van Insurance
Comprehensive cover gives you full risks cover for your van. In simple terms, it means that you can claim for any damage caused to your van by any means, apart from exclusions that can be found in the small print.
In addition to allowing you to claim for the damage caused to your van in an accident, with comprehensive van insurance cover, you can also claim for acts of vandalism, theft, or any other accidental damage to your van which does not involve a crash.
Also included in comprehensive insurance is glass cover or windscreen cover. The insurance company will probably have an arrangement with a specialist glass firm. If go to their specialist you will probably only pay the excess, which is usually around £50.00. If you only have a small crack or chip in the windscreen, you can normally get it repaired for free and there should be no excess. Should you need to make a claim on your windscreen cover, this will have no effect on your 'no claims bonus'.
Always remember that no policy will cover you for every single thing.
Comprehensive insurance ('fully comp' or 'all risks') is at times a bit misleading and can give a false impression that you are covered for every possibility. On every policy, you will find exclusions in the small print relating to your excess, such as electrical and mechanical breakdowns.
The excess on your insurance policy must be paid no matter whom is at fault, whether your van is totally written off, or just mildly scratched. You will have to pay it because you entered into a contract. If you are not at fault, you will be able to claim your excess back from the other person's insurance company.
If you are comprehensively insured and you cannot use your van, then most insurance companies will provide you with a temporary hire van whilst you van is being repaired.
Some comprehensive van insurance policies will also allow you to driver other people's van's, although there may be severe limitations to this.
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