Why compare van insurance for builders?
When deciding on the type of van insurance cover you need it is necessary to take different factors into account:
- Do you drive multiple vans?
- Do you need insurance for other drivers?
- What vehicle do you drive?
- What is the size of your vehicle?
- How far do you travel?
- Do you travel abroad?
- Do you regularly carry materials?
- Do you carry expensive tools?
- Where do you leave your van overnight?
Depending on the answers to these questions, the type of business van insurance policy and range of cover you need will vary.
What is covered by builders van insurance?
This will differ depending on the level of cover you choose – whether it be third party, third party fire and theft or comprehensive
For more information on these levels of cover please see our guide ‘What do I need to know about van insurance?’.
It is always necessary to check about exactly what is covered by your builders van insurance.
There are Optional Additional Products that are particularly useful for those who work in the building trade:
- Tools insurance
If you use tools worth thousands of pounds, then it could be a major blow to your business if they were to be stolen or damaged in a road accident. As a builder, this could badly affect your ability to carry out your work. Hand tools and power tools that are in the van are usually covered by tools insurance, and this can sometimes be extended to include additional cover for personal effects and materials.
Goods in Transit cover
If you are moving materials or equipment from site to site, then this may be a worthwhile insurance add on to your business van policy.
A typical policy will cover:
- Theft of goods during transit
- Loss of goods during transit
- Damage caused due to transit
- Damage caused by accidents during transit
This type of cover may work out to be cheaper and be more convenient if your business uses a fleet of vans to transport materials and carry out your work.
- Liability insurance
This covers you against the cost of compensation claims following fault of negligence brought against you by employees, clients, customers or members of the public.
- Van breakdown cover
This will get you back on the move if your vehicle breaks down so you don’t lose valuable work time.
Why compare builders van insurance?
At Businesscomparison.com we understand that as an owner you’ll want cheap insurance at the right level of cover because making the wrong choice may negatively affect your business and cost you money.
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