When considering your options, think about how much cover you’ll need. The basic level will just give you roadside assistance. That means if you were to break down on a road in an area that’s within your cover, you can call your breakdown provider and a recovery vehicle will come out to your van.
Consider how far you’ll be travelling in your van, in order to understand what level of coverage will be the most suitable option for you:
1. Local coverage: if you only work locally and rarely leave the region, this may suit you more. You’ll need to check the details of the policy to understand how far from home you can be before you’re no longer in range for the cover.
2. National coverage: this is particularly helpful to those who regularly drive further afield. No one wants to break down hours from home with no way of getting back.
3. European breakdown cover: perhaps your work takes you out of the country, or you use your van to go on holiday outside the UK.
4. Roadside assistance: this is the most basic cover. An engineer will attempt to fix your van at the side of the road. If this is not possible you will be towed to the nearest garage.
5. Nationwide recovery: almost the same as roadside assistance, however you get to choose the destination you’re taken to (anywhere in the UK).
6. Home start: with this type of policy, a recovery van will come out to your home, or within a quarter mile radius of it (this distance varies by provider).
7. Onward cover: if your van really is vital to your livelihood, you might choose a further level of coverage which would mean you can claim back costs – say if you need to stay in a hotel for the night while your van is being fixed, or to hire a van while your own is repaired.