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?

Should I risk not having a van insurance policy?

In a word, No! As we have stated elsewhere, having a valid van insurance policy is a legal requirement. If you are asked to produce proof of insurance by the police and you are unable to do so, you will be automatically liable to a fine and six penalty points on your licence. This will make it more difficult and expensive to get van insurance in the future and could lead to you losing your driving licence for a year.

To help the Police to trace uninsured drivers, the Motor Insurance Bureau has set up a database that will store the details of vans and the van insurance policy held on it. Using number plate recognition systems, the police can check for a valid van insurance policy as you drive past them. It is therefore a lot easier for them to catch you if you do drive without insurance.

Another reason to take out a van insurance policy is to protect your investment. The van you have bought may have cost you thousands of pounds. If it were to be stolen, damaged or written off in an incident, your van insurance policy should put you back to the same financial position you were in before the incident happened. Without a valid van insurance policy, you will have to pay for repairs or replacement yourself.