When you operate a van for work, whether as a delivery driver, tradesperson or a business owner, it is essential to ensure that you have the right level of cover in place. Van insurance is a legal requirement in Ireland, but beyond that, it protects your livelihood and financial security. With so many options available, it can be challenging to know what to look for when choosing van insurance. In this blog, we will explore the key factors to consider to help you make an informed decision.
Types of Van Insurance
When searching for van insurance, you will come across various types of cover. The type of cover you require will depend on how you use your van. Here are the two most common types of van insurance:
- Carriage of Own Goods Insurance: This type of insurance is suitable if you use your van for transporting your tools, equipment or other goods that belong to you. It is ideal for tradespeople such as builders, carpenters and electricians.
- Carriage of Goods for Hire or Reward: If you transport goods for other people or businesses, this type of insurance is necessary. It is essential for delivery drivers, couriers and hauliers.
Level of Cover
The level of cover you choose will determine the amount of protection you have in the event of an accident. There are three levels of cover to consider:
- Third-Party Only: This is the minimum level of cover required by law. It covers damage to other people’s property or injury to other people but does not cover damage to your van.
- Third-Party, Fire and Theft: This level of cover includes third-party cover and also covers your van if it is stolen or damaged by fire.
- Comprehensive Cover: This level of cover includes third-party, fire and theft cover and also covers your van for accidental damage. It is the most extensive level of cover available.
Van Insurance Quote
When searching for van insurance, it is essential to shop around for the best deal. Getting a van insurance quote is a simple process that can be done online or over the phone. To get an accurate quote, you will need to provide details about yourself, your van and how you use it. It is essential to provide accurate information to avoid any issues in the event of a claim.
What to Look for When Choosing Van Insurance
- Price: While price should not be the only consideration when choosing van insurance, it is an essential factor. It is essential to get quotes from several insurers to ensure you are getting a competitive price.
- Policy Features: When comparing policies, it is important to look at the features included. Some policies may offer additional benefits, such as a courtesy van or legal expenses cover.
- Excess: The excess is the amount you will have to pay towards a claim. It is important to consider the excess when choosing a policy as a higher excess may result in a lower premium.
- Claims Process: It is essential to understand the claims process and how to make a claim. Some insurers may have a more straightforward claims process than others, which can be beneficial in the event of a claim.
- Customer Service: Good customer service is essential when choosing van insurance. It is important to choose an insurer that provides excellent customer service and is easy to contact.
Choosing van insurance for your business is an important decision that should not be taken lightly. It is essential to choose the right type of cover for your needs and ensure you have the right level of protection in place. When comparing policies, it is important to consider price, policy features, excess, claims process and customer service. By taking the time to compare policies and understand your options, you can ensure that you have the right van insurance for your business.
Acorn Insurance offers a range of van insurance options to suit your needs. Whether you need carriage of your own goods, carriage of goods for hire or reward, Acorn Insurance has a policy that can work for you.
Need help choosing the right van insurance for your business? Contact us at Acorn Insurance to the right policy. Get a quick quote or contact us by giving us a call at 0818 800222 or request a call back.