Those who have light delivery vehicles know that there are many blurred lines when it comes to van insurance. If you use the vehicle for both commercial and personal benefit, it is hard to determine whether it should be insured for personal or business use. The premiums on different types of policies do vary. It is important to decide which type is best for you.

Should you cover you vehicle under business, the vehicle would need to be registered in the name of the business. A sole trader is permitted to get coverage on the vehicle in his or her name. The amount of mileage for personal use will determine how you may cover it. This means that if most of the travel is personal, then you can cover it under a personal policy.

If employees use the car, you will have to get commercial insurance. You will probably have to provide a list of drivers on the policy. The driving history of the employees will also affect your premium. If you visit clients or transport goods from your place of residence or employment to theirs, you will also need a commercial policy.

Many items could be transported in the vehicle. These could be hazardous materials, cleaning materials, perishables and tools. All of this determines what the premium should be.

Parking the car in a locked and secure garage could enable you to get a lower premium. A car in the street has a significantly higher probability of being damaged, stolen or broken into. Another way of reducing costs is by adding anti theft and anti hijacking measures. These could things like tracking systems, alarm systems and immobilizing systems.

For people using vehicles for business and specifically transporting goods, van insurance is necessary to insure the goods being transported.

Did you compare van insurance? You should if you drive a van. Van insurance comparison is important when it comes to getting cheaper insurance.