A lot of people love having a van as their own vehicle. It can be used for both commercial and personal use. Which is great if you need to shift heavy equipment around for your job, but also want to use it to help you get to and from places for personal reasons. There’s no point getting a car and a van, if the van can do everything you need it to. 

If you didn’t already know by now, then van insurance is a legal requirement, so you need to have it. However, just getting a standard policy might not be enough to cover everything you need. There are two main types of van insurance – private van insurance and business van insurance. You need to make sure that you get the right kind of van insurance before you take your van out on to the road.

What Do You Use Your Van For?

This is an important question, as it will help determine what sort of insurance you get for your van. You need to let the insurers know what you use your van for. For example, you might use it to commute to work, or to help you go out and about in your day, or you might use it to help you deliver your work goods. 

The insurance that you decide to use, has to accurately reflect what you use your van for. If it doesn’t then you could run into a lot of problems if you have to ever make a claim, so don’t risk it. Instead be honest about what you use your van for, as this way you can make sure that you get the right sort of van insurance that will cover everything you need it to.

What’s the Difference Between Business and Private Van Insurance?

There is a big difference between these two types of insurances, so you will have to make sure that you get the right sort of insurance for your vehicle. As mentioned in the previous section, you need to know what you use your van for, as this can help you determine what sort of insurance you get. If you aren’t too sure about what you use your van for, then you need to figure that out pretty quickly.

If you are confused by the different types of insurance, then private van insurance is known as ‘social use only’. However, unless your van is strictly for personal use, you will need to get business insurance (also known as commercial insurance). You will need to get this if you decide to use your van to commute to and from work as well. If you are ever unsure, then you need to make sure that you ask. 

Getting Optional Extras

If you use your van for business purposes, then it might also be a good idea to get optional extras to help cover certain things. You need to make sure that your business insurance covers everything that you need, as sometimes it might only cover certain things. There are a lot of extras that you can get, however, the main ones are tools in transit, breakdown cover; courtesy van, wrong fuel; personal belongings and lost keys.

The decision is up to you though. If you would prefer to save a bit of money then you can always get cheaper insurance, however, you might miss out on a few extras. Some people prefer to be safe and just get everything, just in case something happens in the future. You never know what might happen and accidents do happen. For a bit more reassurance, you can check out this article here about the most common causes of accidents.