While it’s true that most vans are insured for business, there are still some van owners who buy a van so that they can use it for DIY projects or because they just need additional space that a van can provide. These van owners need to be aware of the insurance implications of using their van for purposes that might constitute business as opposed to just personal use.
It is useful to be able to compare van insurance quotes online to obtain the best deal for either personal or business use and to have it defined what business use means.
If you’re one of these van owners, it’s important to check with your insurance provider to see if your van is covered for business use or use in a business. Some insurers will only cover vans that are used for personal use, so it’s important to make sure that you’re fully covered before using your van for any kind of business purpose. Even just a one-off.
It is your insurance provider who will be able to confirm for definite just what your van policy covers in the event of damage from an accident, fire, theft, and in respect of any contents lost. Always read policies carefully too.
Moving house
Anyone moving house would find a van useful because of its extra capacity. They would need to make sure, however, that the contents were covered on an “all risks” household policy, which meant they were covered in places other than inside a house, or that they were covered by the van insurance when in transit.
DIY Projects
Vans can be useful for DIY projects since they provide a lot of space for removing old home furnishings or appliances being replaced. Vans are useful for transporting materials and tools.
If you are carrying out work for others, you need to be sure whether or not it constitutes a business arrangement. In other words, is there any kind of payment involved? To get this wrong is to not be insured because the use is not what your premium was calculated on.
Van Vs. Estate Car
Sometimes an estate car might provide enough space for moving larger or more awkward items about but there is nothing like a van to provide more space still to transport possessions from A to B.
Vans are geared to transporting certain weights as much as long shapes that would not fit inside a standard car.
Holidays
Vans are also considered a comfortable and spacious mode of transport to travel to holiday destinations using, and also to stay in. This would be defined as personal use in insurance terms. Camper vans come with a variety of features and comforts that can make them perfect for a family trip away. This includes sleeping arrangements.
Not all vans are indeed insured for business use. This means that if you’re looking to buy a van, you need to be clear with your insurer about just what the use will be if it is to be correctly insured. However, there are several situations, other than business, when you might need van insurance. For example, if you’re moving house, someone who is into regular DIY, or if you often go on camping trips. So, before you buy a van, be sure to check with your insurance provider to see if it’s covered for personal or business use.
Check out a van insurance page for more information on van insurance and how to get the best coverage for your needs. It is important because the cover can, otherwise, be void. This is not a legal or financial position that you will want to be in as a household or businessperson that has a van. Insurance cover is about protection and we need to get something like this right.
