The commercial vehicle is used for a variety of tasks ? transporting cargo, tools or people, so there is a wide variety of types of commercial vehicle. Because the humble commercial or van, can differ so much, so can it?s insurance premium, and sometimes policyholders can unwittingly fall foul of the differences in policy wordings. Here are a few common questions.
Does sign writing my van affect my insurance premium?
Plain white vans are extremely common, so spotting a stolen one amongst traffic can be difficult. Some insurers recognise this and will therefore discount the theft part of their premiums for owners who do this, although the sign may give away what a van?s contents could be.
Do I need to tell you that I have alloy wheels on my van?
It pretty much depends on if they have been fitted from new by the manufacturer. If you do make any changes to your van, those modifications should always be stated to the insurance company, to make sure you have a policy that is correct. If you fail to tell them, it would jeopardise any claim.
Are my tools covered for theft from my vehicle?
It?s unlikely your van insurance cover will offer cover for your tools as well. Technically they are not part of your vehicle and should be insured separately. Some policies offer a small amount of tool cover, but it is usually severely limited in what it offers. A proper tools policy would cover tools elsewhere besides inside the vehicle and may also offer accidental damage as well as theft cover.
If I fit additional seats to my van, does my insurer need to know?
Van insurance is basically liability insurance for the driver of the vehicle. With more passengers, or certainly the potential to carry more, there is a greater liability to the insurer, therefore the premium paid should be larger to reflect the additional risk. Insurers are quite picky about extra seating as well, so whether you are having the seats fitted yourself, or it was done previously, the insurer will want evidence that the seats were fitted in accordance with the manufacturers specification and to their standards. Invoices showing the work was done by someone factory approved, such as a main dealer, are normally required before cover is made available.
What if I deliver goods to customers? Does my van insurance cover me for this?
Most van insurance policies cover ?carriage of own goods? meaning if you carry your own property or your own products you will still be covered. Note that the cover is not for the goods themselves, it is for the van risk. If you carry other people?s goods then you are either a courier or haulier and will therefore need either courier insurance or haulier insurance respectively.
I am the marketing and commercial manager for Coversure Insurance, an insurance intermediary who specialise in Van Insurance. Visit our website for a van insurance quote, or read our FAQ section if you have any van insurance related questions.
This entry was posted on Monday, January 30th, 2012 at 2:04 pm by Matt Withers and is filed under Business. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.
Source: http://centired.com/2012/01/pitfalls-with-van-insurance/
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