Van Insurance

Van Insurance in the UK is holding up the backbone in British business, as many individuals in many industries use vans as the central part of their business requirements. Builders, printers, couriers, suppliers, caterers, event organisers.. the list is endless and they all use vans in their line of business. Getting the right insurance cover and at the right price is very important, as paying too much for your van insurance can have a very negative effect on the profitability of your business.

At Sky Insurance we have developed an excellent van insurance policy, offering cover for almost every use of a van and at an extremely competitive premium rate.

Some of the key points to our Van Insurance policies are:

• Excellent Premium Rates
• Business Use Covered
• Courier Cover Available
• Goods In Transit Cover Available
• Multi Vehicle Discounts
• Special Schemes for the Self-Employed
• Introductory Discounts

Whether you are a small independent company, sole trader or a large commercial operator we have the policy for you. We believe that as business users you want hassle free service coupled with the knowledge that your vehicles and employees are insured correctly - and that is the service we offer to our customers.

Click on the 'Get A Quote Today' button on the right for an online quotation. If you would prefer to speak to one of our team of Van Insurance experts, call us on 03303 331 250 or alternatively you can 'Request A Call Back' .

For the self-employed tradesman and small business owners we are able to provide insurance quotations for the following:

• Contractors All Risks
• Goods in Transit Insurance
• Own Plant / Hired-in Plant
• Tools Insurance
• Tradesman’s Liability Insurance

Van Insurance - The Key Issues

The key issues with Van Insurance tend to be related to the required usage of the van and the size of the van being insured.

Usage

There are several types of usage for vans, but generally they tend to be business related. As you can imagine, insurance companies will question why anyone would purchased a van simply for the purpose of 'Social, Domestic & Pleasure Usage' as it would seem to make sense that a much smaller car would be much more economical to run. Generally speaking, most insurance companies would require a commercial vehicle usage to be covered on a van insurance policy, with 'Social, Domestic & Pleasure' usage also included within that.

There are three main types of usage on a Van insurance policy;

• Carriage of own goods (with a restricted radius i.e. local business or unrestricted i.e. work anywhere)
• Carriage of other peoples goods (removals, local haulage etc)
• Fast food delivery and courier use

Weight of Van

There tends to be a split between vehicle under 3.5t and over 3.5t - the vans under 3.5t are usually classified as 'light commercial vehicles'. The heavy vans are often classed in the 'truck' category and this often costs slightly more to insure, usually due to the risks involved with the types of business these vehicles are used for.