There are variations from insurance companies as to what is included with their fully comprehensive cover. Most insurers include or provide the option of breakdown cover, some also include Home Start and courtesy vehicles to keep you on the road while your transit is being repaired.
Goods in Transit is a must for those who are receiving reward or payment for transporting a third party's goods. Generally the insurers will need to know what the goods consist of to enable them to determine whether they are deemed to be high risk. It is possible to get insurance cover for Goods in Transit which are undisclosed to you by your clients, however, this is not classed as 'run of the mill' insurance cover so you will need to contact the insurers to find out whether they actually offer this option.
Many insurance companies can offer Goods in Transit combined with Employer's Liability insurance to help keep the cost of the premiums at a competitive rate. Employer's Liability insurance provides the employee (usually the driver) with insurance cover should he or she be harmed or injured while at work. Public Liability insurance offers the added peace of mind of insurance cover should a member of the public be harmed or injured and make an insurance claim for damages.
Partners can be insured as a named driver on many policies without added expense. If your van is not used solely for business most policies provide cover for social, pleasure and domestic use as well. Those who have a previous history of driving convictions or poor claims history are offered insurance cover by most companies at slightly higher annual premiums.
If you have the need to tow a trailer or generator these are normally covered under all types of policies, subject to them being roadworthy and of the correct legal size.
For those with a transit van under three years old some insurance companies offer a GAP protection - this means that should your van be involved in an accident or incident and it is written off the difference between the motor insurer's payout and the cost of the van replacement will be met up to a pre-set limit. For details of this option it is advisable to contact the insurance company to see whether you qualify, as well as the cost.
There are many other insurance options offered by insurers, such things as loss of keys, European cover, loss of license benefit (should the driver lose his or her license due to points adding up or speeding convictions 'motor prosecution defence' claims travel expenses are paid) all of which need to be fully discussed with the transit van insurance company or broker prior to agreement and commitment.
Author Resource:-
Staveley Head are a leading UK insurance broker for van insurance
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