Do Not Shell Out More For Your Van Insurance Than You Can Afford
If you are planning on purchasing van insurance a question that will surely be begging for a suitable answer is whether and how is it possible to purchase immediate coverage. If you can use your debit or credit card then this is possible though if you plan on paying your insurance premium in instalments then the cover will not be immediate.
What's more, in case you are planning on purchasing commercial vehicle insurance policy then in this kind of insurance policy there will not be any driving other vehicles clause which then means that anyone other than the van owner will not be covered by the commercial vehicle insurance plan. Furthermore, if after purchasing the insurance policy for your van, you go and make modifications to the van then your policy will again not cover you for such modifications.
But, if you have been driving company vans and you can prove that you have never (or rarely) made insurance claims and if you can also prove not having been convicted for any crime then it is possible to request and get a discount from your insurance company - provided you have held the insurance policy in your name.
What's more, in case you bought comprehensive cover for your van and your van is involved in a crash or accident and you then get the repairs to your van done by an approved repair company then your insurance company will definitely show a willingness to provide you with a courtesy vehicle. Of course, whether or not the insurance company offers this facility is something that only the insurance company can decide for itself.
Also, if you were not at fault in an accident and the third party admits to having been at fault, you can then request a specialist claims solicitor to provide you with a like vehicle during the time that your van was at the garage being repaired.
Before purchasing insurance for your van you need to be clear about what the main points of difference are between comprehensive cover and third party fire and theft coverage. The former kind of insurance is one that will cover you for costs of repairing your vehicle for damages causes by accidents or fires or theft or even acts of vandalism. In addition, you are also covered for damage caused by a third party.
Third party fire and theft insurance policies cover you for damage to your van as a result of theft or fire and also for third party damage done to your vehicle but only when you are not at fault for the damage. In a few instances, third fire and theft insurance can also cover you for your stereo though it will not be complete coverage.
Another aspect to van insurance, insurance excess is an amount that the insured person has to pay out of their own pockets in the event that they make a claim. This they will have to pay irrespective of who was at fault in an accident or incident involving your van. This excess amount can change depending on coverage type and also type of van being insured and it also depends on which area you live in and your age as well as experience can also affect the excess insurance coverage. - 23211
What's more, in case you are planning on purchasing commercial vehicle insurance policy then in this kind of insurance policy there will not be any driving other vehicles clause which then means that anyone other than the van owner will not be covered by the commercial vehicle insurance plan. Furthermore, if after purchasing the insurance policy for your van, you go and make modifications to the van then your policy will again not cover you for such modifications.
But, if you have been driving company vans and you can prove that you have never (or rarely) made insurance claims and if you can also prove not having been convicted for any crime then it is possible to request and get a discount from your insurance company - provided you have held the insurance policy in your name.
What's more, in case you bought comprehensive cover for your van and your van is involved in a crash or accident and you then get the repairs to your van done by an approved repair company then your insurance company will definitely show a willingness to provide you with a courtesy vehicle. Of course, whether or not the insurance company offers this facility is something that only the insurance company can decide for itself.
Also, if you were not at fault in an accident and the third party admits to having been at fault, you can then request a specialist claims solicitor to provide you with a like vehicle during the time that your van was at the garage being repaired.
Before purchasing insurance for your van you need to be clear about what the main points of difference are between comprehensive cover and third party fire and theft coverage. The former kind of insurance is one that will cover you for costs of repairing your vehicle for damages causes by accidents or fires or theft or even acts of vandalism. In addition, you are also covered for damage caused by a third party.
Third party fire and theft insurance policies cover you for damage to your van as a result of theft or fire and also for third party damage done to your vehicle but only when you are not at fault for the damage. In a few instances, third fire and theft insurance can also cover you for your stereo though it will not be complete coverage.
Another aspect to van insurance, insurance excess is an amount that the insured person has to pay out of their own pockets in the event that they make a claim. This they will have to pay irrespective of who was at fault in an accident or incident involving your van. This excess amount can change depending on coverage type and also type of van being insured and it also depends on which area you live in and your age as well as experience can also affect the excess insurance coverage. - 23211
About the Author:
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posted by X - Men @ 4:07 AM
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