The most important thing to remember is that if you are a van driver and drive on the public road, you legally have to have van insurance. The Road Traffic Act states that every van operated on UK roads have to have adequate van insurance in place to pay for any losses, injuries or damage that may be caused in an accident. The financial cost of a van insurance claim can work out to be millions of pounds as the insurer would have to cover any damage to property, medical costs, and potential loss of earnings for anyone other than the driver involved in the incident. These people are known as Third Parties.
Different van insurance policies will cover different things, so it is important that you know and understand what you are buying. An explanation of these terms can be found elsewhere in this guide. |
