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What is Van Insurance?
Van Insurance in Northern Ireland is a legal requirement, even if the van isn’t being used on the road; unless it’s been officially declared as ‘off the road’ through the statutory off road notice (SORN) mechanism.
There are three types of Commercial Van Insurance policies, offering different levels of cover:
Third Party – A Third Party policy is the minimum legal requirement and covers the owner for any damage or injury to another person or their property. It does not include insurance for your own vehicle. In other words, you would not be able to claim on a third party policy if your van was damaged in an accident that was your fault, or if it was stolen.
Third Party Fire & Theft – This is one step up from Third Party because it will pay out if your van is stolen or damaged by fire.
Fully Comprehensive – This provides the maximum cover and often includes a range of useful extras such as windscreen cover and a courtesy vehicle. If your van is an intrinsic part of your business, it’s probably best to opt for Comprehensive Commercial Van Insurance.Need help or have any questions? Our local & expert Insurance Advisors are on hand to help! Contact us here.