Product Description
Van insurance is necessary for anyone that drives a van with a weight of up to three and half tonnes. It is sometimes called Commercial van insurance. The law states that to operate a van in the UK on public highways, van insurance must be in place. This coverage will insure your van in a number of ways.
You can have full comprehensive coverage which will encompass many areas. They would include damage to your van, third party fire and theft coverage, some personal accident benefits regarding injury or death, and vehicle contents coverage.
A second policy might only be for third parties and would be very basic coverage. This type provides liability coverage for death or injury to persons in another vehicle or other occupants in your van. It will take care of some damage to third party property as well. The last type is third party fire and theft. This contains the third party coverage and any fire or theft problems in the aforementioned situations.

Main Players
The main suppliers of van insurance include Direct Line, Tesco Finance, eVan, More Than and Churchill. Alternatively you can work through an insurance broker such as Commercial Vehicle Direct and Budget Van Insurance to search for a better deal.

Pros of Van Insurance

• Protects your liability in the case of an accident.
• Following a break in, the contents of your vehicle could be replaced with the proper coverage.
• Benefits are paid for personal or third party injuries with the appropriate cover.

Cons of Van Insurance

• This insurance can be quite expensive if you carry a lot of work related equipment or if you travel a lot of miles each year.
• Some equipment may not be covered by a standard policy and additional cover would then be needed.
• A lot more expensive for young drivers and those with penalty points on their license.

Things to Consider When Choosing a Provider
Now that you are aware of just what types of van insurance there are, you will need to decide which provider is best for your needs. Some people are just interested in what the cost will be so they will look to find the least expensive policy. They won’t be concerned with the reputation of the company. This would include information about how well they pay out for a claim.

Choosing a provider means you need to weigh the costs against the policy terms. The right provider will be licensed, they will define your coverage needs and they should have more than one option. If you choose an insurance company that can give you quotes from AXA, Cornhill and Norwich Union to mention a few, you will get a better idea of what they can provide you. They may also be able to bundle other types of insurance such as home, flat, car and van insurance so that you get an appreciable discount on all of them. This could mean the difference between affordable insurance or higher premiums.

BUYability Summary
Van insurance is something that is necessary for your peace of mind and protection, especially when self employed and the van is your livelihood. When you research your different options regarding a reputable van insurance company, you should make sure they can offer sufficient cover to replace the van and its contents should the need arise. In the case of vans there is no substitute for ample cover.