Finding Insurance For Your Van

The essential question seems to be “what is the difference between van insurance and insurance for any other vehicle?” Vans are certainly a class of automobile as much as any other. Although typically featuring more carrying capacity, in the final analysis, what is the essential difference between a van and any other vehicle?

Business and Family

The distinctive difference of vans lies largely in their design. A van’s unique design makes it amenable to uses for which conventional cars are unsuitable. Vans are commonly used for business purposes and for families. After all, why would anyone subject themselves to the decreased fuel efficiency and more cumbersome physical aspects of a van if not for saving money?

Insurers also know the obvious answers to these queries and set van insurance premiums accordingly. The increased liability attracted by the more varied uses, to which vans are frequently put through, also increases risk exposure.

The bottom line is whether your van is used primarily for pleasure or financial gain – so be prepared for somewhat increased premiums depending on the use. Before you abandon hope and walk away in a hopeless huff of despair – take a minute to get a free quote on the Internet.

Here are some tools to help you navigate the journey of van insurance:

Registration Roulette

If you are the registered owner but use the van for any business purpose whatsoever, get a commercial insurance policy. Premiums may be wholly or partially tax-deductible.

Designated Drivers

If any employees operate the van for any business purposes, commercial coverage is needed. This includes co-workers at your employment – even if the van is registered in your own name. If you operate a small business that requires frequent employee use of your van, be sure to list each individual driver at the time of your insurance application. Any omissions could be a basis for benefit denial in the event of a loss.

Distinguish Designations

If your only business-related use of a van is driving to and from employment, a personal auto insurance policy is sufficient. If, however, you drive your van in the course of your employment to any degree, commercial van insurance is what want. Required visits to client work sites and off-site mandatory periodic meetings are examples of such uses.

Parking Places

Park your van in a garage instead of the street. If the van is equipped with security features, be sure to inform your insurer. Such enhancements can significantly lower your insurance costs.