What are the basic cover levels of van insurance?
When looking for any type of van insurance policy, you’ll need to decide on the level of cover you need. As with car insurance, there are three levels of cover for vans.
- Third party This is the minimum cover you’ll need to drive legally. It could meet the cost of damage you cause to another person, or their property, as a result of your driving. But it won’t pay out for repairs to your own vehicle.
- Third party, fire and theft In addition to third party cover, this type of insurance could pay out if your vehicle is damaged or destroyed by fire, or if your van’s stolen.
- Fully comprehensive This covers everything in third party, fire and theft, plus any other damage that’s done to your vehicle (regardless of whether or not it was your fault). It’s not always the case that fully comprehensive is the most expensive option, so it’s worth getting a van insurance quote to compare your options.
Your van insurance will also protect items that belong to you that are carried in the van, and this cover can be extended to include items that you are paid to