Why compare van insurance for painters and decorators?
Even though you may also use your van for personal and social reasons as well as for work, it is necessary for you to have a business van insurance policy. If you take out a private van insurance policy, you will not be covered in the event of an accident or theft. This could end up costing you dearly and could have a negative impact on your business.
Getting insurance for your van is compulsory and, failing to do so will lead to a fine. This is the case even if your van is not being used. The only time you're not required to have insurance is if the vehicle is registered as off road with a Statutory Off Road Notice (SORN). Under 2011's Continuous Insurance Enforcement Act. You could face a significant fine if you don't have the right insurance. It is no longer allowed to insure your van for only part of the year.
Van insurance does not come in one-size fits all so to make sure you are covered for everything you need and nothing you don’t need. It might be worth considering the following:
- 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?
If you have an apprentice who drives your vehicle, then you may find that your premium increases as insurance companies will consider the age and experience of drivers. If you have named drivers with a history of no-claims, then this can keep premium costs down.
What is covered by Painters and decorators 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 Painters and decorators van insurance.
- Van breakdown cover
This will get you back on the move if your vehicle breaks down so you don’t lose valuable work time and let down customers. This is particularly important if you are responding to an emergency.
Guaranteed van hire
A hire vehicle can be arranged whilst your damaged van is in for repair or until your claim has been settled. This means you can continue to carry out your work in the interim period.
Why compare Painters and decorators 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 potentially affect your business and cost you money.
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