What’s the minimum cover needed to drive a van?
When comparing van insurance policies, you’ll need to choose a level of cover that meets your needs. Like car insurance, there are three levels of cover for vans and the minimum you’ll need to drive legally is third party insurance. This could meet the cost of damage you cause to another person, or their property, as a result of your driving. However, it won’t pay out for repairs to your own vehicle. The other main van insurance cover levels are:
- 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 a third party, fire and theft policy, plus any damage that’s done to your vehicle (regardless of whether or not it was your fault).
Van insurance will also enable you to insure items that belong to you that are carried in the van, and you can extend this protection to include items that you carry for others as part of your business. You’ll be asked which sort of cover you need when you complete your quote online.