Ask Insurance Guy

More and more people in the UK are using vans for either personal or self usance use but many are track the risk of existence insured incorrectly as they are not providing the right information to the van insurance company.

For people using a van for personal use remember you can’t carry goods for other people as your insurance may not cover you and if stopped by the jurisprudence you may end up with a fine and penalty points being added to your licence.

People who have a van insured for personal use can’t use this for delivery purposes either, so if you do deliveries for your local anaesthetic takeaway using a van that is insured for personal use then you may not be covered. This is another area the police are focal point on in the UK so don’t get caught out if you do this type of work inform your van insurance company straight away.

People who are self employed use various types of vans depending on their line of work but many do not get the full insurance cover they need to carry out their duties.

Whenever you carry commodities in the van then make sure your van insurance covers this as many will not and you will need to purchase a good’s in deportation insurance indemnity to cover the goods you are carrying. Remember for the self employed all policies are a tax deductable expense for your business.

Other points for the self employed to turn over when they are buying van insurance is the value of the tools held within the van. Many van insurance companies will limit the amount of cover on your policy for the contents of the van so ensure this is passable for your needs. If you wish further protection for the contents of the van then you will also need to take out a different insurance policy to protect the value of these tools or other contents of the van .

We should consider the above charges seriously as the last thing you want to happen is not to have the correct insurance as this could lead to penalty points and fines so please ensure you have the correct van insurance for the purposes of its use and the contents within the van.

We hope you have embed this information of value so dig out your van insurance policy now and tally if you have sufficient cover.