Van insurance is a specialized type of auto insurance. Within this category, there are also various kinds of policies to suit different needs. There is thus no reason to drive an uninsured van!

You might well think that your van is too old to warrant the additional cost of vehicle insurance. Perhaps you should consider the situation again. What will be the outcome if you’re involved in an accident with a highly expensive vehicle and it’s your fault? You will not only have to pay your own expenses, the other driver or his insurance will claim from you and you could end up close to bankruptcy.

The lowest cost policy currently in the industry is called third party, fire and theft insurance. As will be clear from the name, it will not cover damages to your personal vehicle, only that of a third party. Your own van will however be covered in case it’s either completely destroyed or partially destroyed by fire and also if it’s stolen.

If you use your van mainly for private purposes, the above insurance might be sufficient, especially if it’s an old vehicle. If you use it for business purposes from time to time, a policy that’s called Short Term Insurance might be perfect for you. Let’s suppose you use the vehicle to transport goods for your business for a week every month, you could take out a short term policy only for that week. Combining this with a third party, fire and theft policy might be sufficient for your needs.

The policy that is going to cost the most, but also provide the best cover, is called a Comprehensive Insurance policy. This type of policy not only covers damage to the other vehicle, but also to your own. In most cases it will also cover vehicle content, as well as damage as a result of fire, storms, lightning etc.

For those of you who have a number of delivery vehicles, the best type of van insurance is called Fleet Insurance. You will of course qualify for a very special discount. If you have a fleet policy you will also very likely get a very good price on your personal vehicle insurance.

So many people do van insurance comparison. This is because when you compare van insurance with other companies, you will get to pick the right one.