Commercial Van Insurance - a brief overview
What is Commercial Van Insurance?
Commercial Van Insurance is designed to cover vehicles that are used for business purposes.
To qualify for Commercial Van Insurance from Cornhill Direct Business, the Gross Vehicle Weight of your vehicle must be less than 3.5 tonnes.
What does Commercial Van Insurance cover?
There are three types of Commercial Van Insurance to choose from, depending on your needs.
- Comprehensive
- Third Party, Fire and Theft
- Third Party only
Third Party Commercial Van Insurance will be the cheapest policy because it only cover you for claims made against you by a third party if you were involved in an accident.
Commercial Van Insurance for Third Party, Fire and Theft not only covers your legal liabilities but also for loss or damage to the vehicle due to fire or theft.
Buy this type of Commercial Van Insurance from Cornhill Direct Business and it also gives you £500 of cover for audio, communication, navigation and in-car entertainment systems that you may have installed in the van since purchase.
Comprehensive Commercial Van Insurance offers the most extensive cover. Not only does it cover you for all of the above but, generally, policies will also offer cover for accidental damage to your van, personal effects, medical expenses and personal accident.
For example, comprehensive Commercial Van Insurance from Cornhill Direct Business includes windscreen cover as standard, without it affecting your no claims discount.
Does Commercial Van Insurance cover the contents of my van?
Commercial Van Insurance is designed to cover you and your vehicle but not its contents.
Comprehensive policies may provide personal possession cover but this does not apply to things like tools or equipment.
As well as taking out Commercial Van Insurance, you should consider arranging additional business insurance to cover the contents of your van.
Choosing Commercial Van Insurance
When buying comprehensive Commercial Van Insurance, it pays to compare policies to ensure you're getting real value for money. So it's worth looking at what benefits come as standard.
For Example, Commercial Van Insurance from Cornhill Direct Business includes a free courtesy vehicle (subject to availability and terms & conditions) when you use one of our Approved Repairers following an insured incident. This applied whether you take out comprehensive cover or third party, fire and theft.
Both these Commercial Van Insurance policies also cover you when your vehicle is being used temporarily in the EU and certain other non-EU countries, provided you give us notice of an intended foreign visit.
Commercial Van Insurance cover options
Commercial Van Insurance often offers additional cover options such as Legal protection. This can help pay for your legal fees if you have to pursue a third party for damages as the result of an accident.
Commercial Van Insurance from Cornhill Direct Business also offers you the option to protect your No Claims Discount.