This is a common misconception that only commercial van needs insurance but this is not a fact rather non-commercial private van insurance is important for anyone who drives a van. Sometimes extra coverage may also be necessary for some people who use their van extensively. So, if you drive the children of others to school or football practice in your van or if you keep some household goods in it for extra storage then also it can be beneficial for you.
Before opting for van insurance always check whether you need a comprehensive coverage or only the basic legally-required plus a bit more. If you have an older van, comprehensive may cost you more than the van is worth. Generally, if your van is worth less than ten times a six-month comprehensive insurance premium payment, you don't need comprehensive coverage.
Also if you pick up van insurance for non-commercial use of a van, make sure you only use the van for non-commercial uses. In any case van insurance can bring with it some good benefits for you and your van. One major advantage is the availability of another van in case your van has been badly damaged. This benefit is very important in view of business owners whose business is at risk just because of delay in delivery of goods.
Furthermore, you can get some more benefits with the van insurance like van repairs guaranteed for 5 years, 24 hours accident recovery, 24 hours claim line, coverage for windscreen replacement or repair. You also can get unlimited cover for audio equipment, fixed phones and electronic navigation systems. Some companies also provide personal accident cover for policyholder and spouse or partner, medical expenses and cover for personal belongings in the vehicle.
So, if you have a van for any purpose then make sure that it is insured against various misfortunes so that you don’t need to suffer in such cases. In fact, van insurance and car insurance are the widely used insurance these days.
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Frequently Asked Questions
Uninsured in car accident
By: bran | 08-07-2008
my husband was involved in a car accident july05.very minimal damage to other vehicle,none to ours. i just found out our policy cancelled on june30.so we have no insurance to cover this accident. the family of 6 that was in the van were not hurt and 3 of the passengers left before the law arrived because they were going to a wedding. now it is july 08 and 2 of the passsengers are complaining of back problems. i have pictures of the damage to their vehicle and no tickets were given. where do we stand on this?i dont have a problem at all with paying for the damages to the van. but i do have a problem with the injuries. my husband bumped them in the rear pulling from a stop sign. barely any speed at all. any advice would be appreciated. thanks alot!
What if i know someone is intentionally living off ...
By: clasicgreeneyes | 25-06-2008
what if i know someone is intentionally living off of there credit cards ( not working an outside job ) and plans when the money runs out to file bankruptsy
Market Value Home Insurance
By: highland | 21-06-2008
Looking for market value home insurance not replacement value.Our home is a 165 years old and can not be replaced.Also our fire dept. is only a mile away and all utilities have been upgraded in building.Our insurance company is hosing us.Anybody have sugestions?Thanks Bill
Advantages with credit cards?
By: Judy | 19-06-2008
For those who happen to own any credit cards; what do you believe are the advantages of it?
I have a joint credit card account, but I don't ...
By: snoopy | 28-05-2008
I have a joint credit card account, but I don't want to share to see each others purchase acitivity. can i hide activity from recent transaction?/
I have a joint credit card account, but I don't ...
By: snoopy | 28-05-2008
I have a joint credit card account, but I don't want to share to see each others purchase acitivity. can i hide activity from recent transaction?/
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