What is not
van insurance policies will vary according to the company
that offers the policy. Also, each company may offer
different policies that will include graded levels of cover.
You should always carefully read through the entire policy
to make sure that all the protection you require is
included. Do not assume that just because something is
listed in a document that cover is provided. There may be a
clause stating that such an item must be specially
requested. Also, look carefully for exceptions to each type
of cover provided. Do not hesitate to ask your insurance
broker if you are unclear about anything in the policy
before signing a contract.
Basic short term cover will include liability to third
parties and injury and damage involving the policy holder
is not covered. Basic cover will mostly only provide the minimal
protection as required by law. Third party cover provides
insurance against legal liability to others – passengers in
the van, and anyone else involved in an accident or other
incident involving the insured vehicle. Such cover also
protects against damage to others property arising out of an
accident involving the insured vehicle. You should check to
see whether a specific third party insurance policy covers
third party claimant costs and injury or damage to others
caused by passengers in the insured van.
Remember that if you comprehensive cover, you should
ask for it specifically since it often is not included in
basic temporary van insurance policies.
Legal costs may not be covered in short term cover either.
Such legal costs include legal representation and legal fees
in defending yourself in court against any action taken
against you in connection with the insured vehicle(s).
Solicitor’s fees in case the accident results in death are
another legal expense. Most types of legal cover will not
provide legal representation and cost cover for insured
drivers who are accused of driving under the influence of
alcohol or drugs.
All policies restrict cover to those who possess a valid
driver’s licence. The licence should at least be a standard
UK driver’s licence. Some policies also provide coverage to
drivers with foreign licences but you should check to make
sure. Usually you should be able to insure additional
drivers so long as they meet drivers licence and age
requirements. Typically drivers should be ages between 21
years and 75 years old. Elderly or younger drivers will need
to seek special insurance policies.
Remember that each policy provides only certain limits, in
terms of value amounts, on any type of cover. The policy
that provides the most complete protection is comprehensive
cover. Check carefully to see what types of exceptions apply
to each type of cover. Here are some examples of exceptions
• Cover for damage and loss of vehicle will not apply if the
ignition keys were left in or on the insured van.
• Cover will not include unlocked vehicles.
• Even comprehensive insurance may not cover your vehicle if
it is not immobilized with activated alarm system during
certain hours or periods.
• Some policies only apply to personal use and not for
working or business activities.
Of course, short term van insurance only protects insured
drivers and vehicles for the term of the contract. In most
cases, this will be from one to 28 days. Some companies may
have longer periods of up to 84 days or more. Because of the
short duration of the contract, there is usually no cooling
off period or cancellation option.
for a fast quotation:
between 1 and 28 days
between 1 and 8 months