Van insurance is also known as commercial van insurance and alternatively as commercial vehicle insurance. It is this van insurance policy that covers your van in the event of an accident; accidents are of different types and categories. It is a legal requirement to take out a valid commercial van insurance cover for any commercial vehicle up to 3.5 tons in gross weight that is to be used or left on a public highway. However, vehicles up to 7.5 tons in gross weight can also be covered by a commercial vehicle insurance policy. For business owners who have multiple vans it makes cost effective business sense to go for a fleet van insurance policy.

There are different categories of van insurance as follows:

1. Small van insurance – This type of commercial van insurance befits vehicles that are used to ferry small loads. Under this category are van types such as the Daihatsu HiJet and the Suzuki Carry.

2. Car derived van insurance – This commercial vehicle insurance option also suits vans that carry small loads. Such vans include the Vauxhall Corsavan and the Ford Fiesta Van.

3. Light van insurance – Such a commercial van insurance cover can be purchased by a business owner who uses vehicles like the Renault Kangoo and the Citroen Berlingo.

4. Medium van insurance – Businesses that use vans to transport small to medium loads from one place to the other are well advised to purchase this type of commercial vehicle insurance policy. Included in this category are vans like the SWB Ford Transit and the Mercedes Vito.

5. Large van insurance – This commercial van insurance cover is well suited for long wheel base vans that have a spacious loading and carrying capacity. Such are used to move bulky and heavy items or even for courier services. Examples include the LWB Ford Transit and the Mercedes Sprinter.

How to get cheap van insurance:

- Many insurance companies that operate online have online calculators to help potential policy buyers to instantly obtain free commercial van insurance quotes. In most cases you are taken through several commercial vehicle insurance deals that suit your circumstances in addition to being informed of the discounts you’ll be eligible for.

- Getting cheap van insurance is also about comparing commercial van insurance deals from different firms against each other. A most convenient way of making these commercial vehicle insurance comparisons at a glance is by visiting sites that list quotes from several firms.

- Inquire from your insurance agent about what he/she can offer. Having purchased several other policies from the agent you will certainly be in a good position to obtain attractive van insurance discounts.

- Commercial van insurance quotes tend to be lower for people or businesses that are based in safe locations.

- Many van insurance firms tend to offer lower commercial vehicle insurance quotes with respect to the average distances covered daily and the van’s driving conditions.

- Van insurance quotes are also pegged on the van type, its age and the mileage covered.

- There are a number of insurers who offer commercial van insurance discounts to buyers who’ve got defense driving qualifications or are members of roadside assistance programs.

- Having a good credit score is another probable reason to get commercial vehicle insurance discounts from some insurers.

- Majority of these firms tend to give van insurance discounts to senior citizens.

- It is a good idea to stay loyal to the same firm upon the expiry of your commercial van insurance policy. Upon your renewal of the commercial vehicle insurance cover you will almost always receive a renewal discount.

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