Buying van cover for personal needs is a totally different subject when it comes to business van insurance, the both insurances are the same but the policy terms are a lot different, this article will explain why.
UK businesses need van cover for the protection, like tools cover, public liability insurance, breakdown cover and employee liability insurance all built into one policy or the one insurance company, so makes it cheaper for them.
You as a person and private individual or feigned your quotes are much, much cheaper than a business van insurance quote. If you have a minibus you use to drive your family around, the insurance risks of less because you don’t carry gas bottles or other dangers equipment, apart from the kids in the wife…
Individual van insurance can consist of policy elements like, breakdown cover or even European breakdown cover, you can have a courtesy van or car when your vehicle is off the road in the event of an accident or your van is getting serviced at the time.
Personal van cover, or private van insurance as the insurer of call it, cannot be used for any business use at all so when you explain to your insurance company what you use your van for, tell them exactly what you use it for because if you don’t your policy could be avoided if you try and make a claim.
Always tell the truth to insurance company, they are very smart they can’t find anything out from DVLA Swansea. They would ask DVLA about you and your driving licence, make sure you’re not a band driver and to make sure that your policy and your driving record at DVLA matches your insurance policy, when you’re in insurer asks you if you have any claims or convictions.
That is a very important point, many people in the UK get disappointed when insurance companies say, sorry we cannot pay out and when you ask them why? They may come back and tell you they have probably found something out or maybe something you have not told them when you started your van cover policy.
Tell the truth, not just about insurance, but life in general.