What do I need to know when organising van insurance?
Van insurance can be a long and complex task, though it doesn’t have to be. By having some simple information at hand, you can save yourself a lot of time and effort.
As with car insurance, you will be asked some questions about your personal details. But don’t worry! This is simply for the insurer to start building a profile around your insurance risk.
They may ask you for things such as your name, age, title, date of birth, address etc. This is also to ensure that everything is correct on your legal documents that you will be issued once the insurance has been arranged.
Again, similarly to car insurance, you will be asked for some details about your van. It is important for your insurer to know the specificities of your vehicle so they can offer the right premium for your situation. For example, the engine size and horsepower will give a good indication into the power capabilities of your van and consequently how much damage it could cause in an accident.
You will also be asked for the make and model of your car, as well as the number plate to verify it. It’s not that we don’t believe you, it’s just procedure!
As we have discussed before in a blog post, you will also need to disclose any modifications that exist on your vehicle. These could range from tinted windows to new tyres, though must be discussed with your insurer. This is because they alter the risk of the car and will consequently change the premium. Failure to inform you insurer of these changes may invalidate your insurance.
It is also necessary for you to let your insurer know where it is you will be keeping your vehicle both overnight and in the daytime. This is so that they can assess the theft risk and security of your car. A locked garage will mean that the car is very secure, whilst parking on the street is not so safe.
This is where van insurance becomes a little more complex than standard car insurance. With van insurance, you have to choose between social, social and commuting, business use and haulage use, as to which one best describes your situation. If you are not truthful when discussing this with your insurer, they have the right to cancel you policy and invalidate your insurance, which will go on your records and will not do you any favours in the long run.
If you have any more questions about how to insure your van, give us a call on 0333 222 4005 or visit our website. We are specialists in non-standard motor insurance so can get you the best prices from across our panel of insurers.