VAN BUYERS GUIDE

Buying a van and taking out a van insurance policy can be a tricky task. There are countless factors you need to consider before you buy and to help you on your way, Gladiator has compiled a guide to vans and more importantly, van insurance. We have tried to explain some of the principles of van insurance that people commonly ask us about, but obviously there may be something else you want to ask us about van insurance. If this is the case, please use the form HERE to ask us a question and we will email you an answer.

WHAT WOULD YOU LIKE TO KNOW?

Please select... What is van insurance? Why do I need to get van insurance? Should I risk not having van insurance? What if I were to be hit by an uninsured driver? What paperwork will my van insurer send me? What are policy exclusions? Am I covered to drive other vehicles under my van insurance policy? What is an excess on a van insurance? What is a compulsory excess? What is a voluntary excess? Different types of van insurance policies What is covered under a Third Party Only van insurance policy? What is covered under a Third Party, Fire and Theft van insurance policy? What is covered under a Comprehensive van insurance policy? What is No Claims Bonus? Additional items your van insurance company can provide

What is covered under a third party only van insurance policy?

Third Party Only van insurance policies (Also referred to as TPO), is usually the lowest level of cover it is possible to purchase in the UK. It covers damage caused to any third party and their property.

Van insurance companies deem a third party to be anyone other than the driver involved in a claim.

The easiest way to describe what is covered under a Third Party Only van insurance policy is to provide an example. If John has taken out a Third Party Only van insurance policy and then crashes into a car, then John’s van insurance company will be liable to pay for repairs to the car John crashes into and any injury or medical treatment to passengers in either vehicle. Any damage to John’s van will not be covered by his van insurance company.

There is never an excess to pay on a TPO van insurance policy in the event of a claim.