Read The Terms And Conditions Carefully
Dec 16th, 2011 Paul Headley
Your van is important, however, so are the contents and goods you carry in it. Many insurance companies offer a competitively priced fully comprehensive insurance cover which includes personal belongings from fire or theft. There is a limit to the value of each claim under this type of insurance; therefore extremely valuable personal belongings will need to have additional insurance cover. Claims made for personal belongings will generally affect your no claims discounts. It is advisable to read the terms and conditions of your policy carefully if you carry valuable personal belongs in your van.
Likewise any claim for fixtures and fittings such as radios or CD players in your van will also affect your no claims discount if you make a claim. Insurers will either pay for the damage of your van to be repaired or pay the amount of loss or damage in cash. Some insurers will also include audio equipment damaged by fire, vandalism or theft when it is away from the vehicle if it has been designed to be removed entirely or partly from your van and it cannot work independently from it or it has been temporarily removed for security or maintenance purposes.
It is advisable to read the terms and conditions of your insurance with regards to windscreen and glass cover. While some insurance companies will include repair to glass, windscreens, sunroofs and windows without having to pay an excess, others make a nominal charge for replacing glass or removing scratches in paintwork caused by breaking glass.
Under the Road Traffic Acts any expense incurred for emergency medical treatment for the van driver or any person using the van will be reimbursed if you have fully comprehensive insurance cover.
If you take your van outside of the United Kingdom to another European Union country fully comprehensive insurance typically meets the minimum legal requirements, which is usually the equivalent to UK Third Party insurance. This type of insurance also meets the European Union directives in providing cover to meet the compulsory laws regarding motor vehicle insurance in all countries which are members of European Union. However, if you are carrying Goods in Transit you will also need to ensure that the insurance covers these as well. The best thing to do is discuss this with the insurance company as there are restrictions on goods being taken in or out of the UK, and some are considered to be a greater risk than others.
All insurance policies will have a clause 'Inappropriate Use', this means that if the insured van is being used for any other purpose than that shown under the 'description of use' section of your insurance policy, the insurers will not pay for any loss, accident, injury or damage which occurs or if your van is being driven by any person who is not described on the certificate as entitled to drive. It is possible to include additional named drivers on the policy as well as specific policies which entitle multiple drivers to be covered. Named drivers are the cheaper option; however, if your van or fleet of vans has many different drivers then it is your responsibility to ensure that your van insurance is appropriate.About the Author:
Paul Headley is a specialist insurance article writer. Staveley Head are a leading UK insurance broker for van insurance
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