| Broadly van insurance can be broken down into 2 | | | | At any stage you want to convert your private |
| different types, that is private and business. There are | | | | insurance to business, you will have inform your insurer |
| many factors that will determine the cost of your van | | | | and they will do the necessary paperwork which might |
| insurance premiums, I have listed a few that are very | | | | involve additional cost. You will have declare the |
| common when an insurer will consider when costing | | | | following information on what goods you will carrying |
| for your insurance. | | | | as your load, particularly if you are transporting |
| 1. The brand or make and model of the vehicle | | | | hazardous or toxic materials and of course who the |
| 2. Where you live and work | | | | driver will be. |
| 3. Age and your experience. | | | | These two factors will largely determine the cost for |
| 4. Number of vans to cover in the insurance policy | | | | the van insurance, you may want to consider looking |
| 5. Weight of the van | | | | at add on policies as these may give you better |
| 6. Security features if the van | | | | benefits and be worth considering. |
| 7. Your claims history | | | | Always consider the potential affect of losing your |
| 8. What you use the vehicle for | | | | tools or the affect of having to replace expensive |
| 9. Are the drivers named | | | | goods that you leave in your vehicle and get stolen or |
| 10. The excess required | | | | damaged as a result of an accident or stolen van. So |
| One of the key factors when you search for the right | | | | if you do transport tools and goods think if you can |
| insurance is to get the right policy for you and not | | | | afford to replace them in future. If your insurance |
| necessary the cheapest one. As when you want to | | | | covers this you will not be foot with the bill in future. |
| claim against your policy you may find that you were | | | | What if your van is damaged in the accident, do you |
| not covered and hence you will have to pay yourself. | | | | have coverage to hire a rental, as the cost of rental is |
| Generally vans are used for business rather than | | | | high, again having this covered in your policy could be |
| pleasure, both ways your van can be insured just | | | | worth looking into. As you never want pay out more |
| mention to the insurer that you will require which one. | | | | money when you have lost your van already. |