Van Insurance Policies The Extra’s
When purchasing commercial vehicle insurance there are many different options to choose from, do you need breakdown insurance, towing insurance or windscreen insurance? These different commercial van insurance extra’s will affect how much you pay for your insurance, and while you do want your insurance policy to be affordable you need proper protection for your transit vans and other commercial vehicles. That’s why its important to read the insurance policy carefully, look at a variety of insurance policies and decide what is best for you and your company.
The Types of Extra Commercial Vehicle Insurance
There are a number of insurance policies that can be purchased alongside the three main policies of ‘Third Party Only’, ‘Fire and Theft’, and ‘Comprehensive’. These minor insurance policies depend on the insurance company but usually involve things such as ‘towing insurance’, ‘windscreen repairs’, additional ‘auto-theft insurance’, and ‘breakdown insurance’.
Towing Insurance can be used when your commercial van is towed for a parking violation or needs to be towed due to a breakdown. In most cases a regular insurance policy will not cover this fee unless the transit van was in a accident. For a regular breakdown or a parking violation the Luton vans owner must cover the cost.
A windscreen repair policy covers all the problems you may have with your windscreen ranging from repairing basic cracks to replacing the entire windscreen in your transit van. Most comprehensive van insurance policies will cover windscreen repairs, but some do not. Anything less than a comprehensive insurance policy will not repair your windscreen regardless of how it happened.
Breakdown insurance covers minor breaks that occur from the usual wear and tear on your Luton van. If a fan belt breaks, rust damage needs to be repaired, the steering wheel is out of alignment and so on this insurance policy will help pay for repairs. Often this is combined with towing insurance. Again comprehensive insurance policies often cover for this type of repair but not always and it can raise your insurance premiums more extensively than having a separate insurance policy.
Additional auto-theft insurance should definitely be bought if you only have ‘third party only’ insurance for your commercial van. Auto-theft can and does happen so having an auto-theft insurance policy makes sense, and having insurance specifically for auto-theft rather than fire and theft insurance will help keep your insurance costs a little lower.
Why Purchase These Commercial Van Insurance Policies?
These minor van insurance policies can be very helpful and since they are fairly distinct they are individually cheaper than buying a large insurance policy that covers all possible problems that may happen to your Luton van.
The advantage of these commercial van insurance policies is that if you do have a frequent problem with your transit van, these policies provide extra insurance at an affordable price. If your commercial van is in a high risk area having additional auto-theft insurance on top of your regular insurance can provide you with a larger safety net for a cheap price. If your Luton van needs to be repaired slightly more than usual breakdown insurance will help with the minor costs that can quickly add up, and towing insurance will help get the Luton van to the repair shop without hurting your wallet.
Problems with Purchasing these Van Insurance Policies
However these commercial van insurance policies do add up and purchasing every commercial vehicle insurance policy in an attempt to cover all possible problems can become quite costly. A well thought out comprehensive insurance policy can insure against most of these problems for the same or slightly cheaper price.
The important thing to consider when looking at these different types of additional commercial van insurance policies is your needs. Do you need them? If you have a ‘Third Party Only’ insurance policy on your transit van, these additional commercial van insurance policies can help you weather misfortunes without substantially adding to your costs. If you have comprehensive insurance these insurance policies could help with minor costs and unexpected damages, but you should ensure they are not already covered by your commercial vehicle insurance.
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