What does it cover?
and short term van insurance can vary from one company to
another. You should read the policy carefully to make sure
you are fully aware of what is covered, and what extra
charges might apply.
The general types of policies available are one day,
temporary and third party or comprehensive cover. One day
policies provide cover for 24 hours. Temporary policies
cover a period from one to 28 days and monthly policies are
available for between one month and eight months. The third
party option protects you from third party claims, while a
comprehensive policy provides full cover.
Temporary coverage in the UK is available to anyone with a
standard UK driving licence or a full driving licence that
is at least a year old. Cover for foreign drivers will vary
from policy to policy, and there may be extra charges to
cover drivers from certain countries. There are generally
age requirements that restrict temporary (1 to 28 days)
policies to those between 24 years and 75 years old but
monthly policies will often cover drivers from 17 upwards.
Typical short term van insurance cover includes:
• Damage to insured vehicle caused by an accident. The
vehicle may be fully replaced if extensively damaged.
• Medical expenses. Generally includes emergency treatment
for injuries caused by accident in insured vehicles.
• Damage or loss caused by vandalism, fire, theft, or
attempted theft, or malicious damage.
• Damage to sound equipment and telephone systems, usually
with a value limit.
• Cover for foreign use. There should be at least the cover
required by the insurance laws of European Union countries.
• If you have third party cover, there will be protection
against legal liability caused by injury to others including
passengers. There will also be a specific amount of cover,
say £20 million, for accidental damage of third party
property. Third party liability might also include third
party claimant costs, and liability of passengers for
causing injury or damage to third parties.
• Comprehensive insurance should also include cover of legal
Of course, what specifically is covered and the amount of
coverage will depend on the policy. Therefore, you should
always read the fine print and ask questions before signing
a contract. Carefully read each section to make sure what
you want is included in your policy. In some documents, you
may miss the section that say a particular type of cover
must be requested for inclusion.
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Prudent Plus Ltd of Booths Hall, Booths Park, Chelford Road Knutsford
Cheshire WA16 8GS, which is registered in England, company
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