Comprehensive
Van Insurance
At Clover Insurance Services we know that
every business can have very different insurance requirements. A typical
comprehensive van insurance policy we may arrange
will cover a commercial vehicle used in conjunction with the policyholder's business and subject to
certain limitations which vary from insurer to insurer can include:.
- Legal liability to third parties
- Fire and theft (a minimum excess of
£100 usually applies)
- Accidental loss or damage to your
vehicle
- Windscreen damage
- Loss or damage to in-vehicle
entertainment equipment
- Replacement vehicle (subject to
availability) when you use one of our Approved Repairers
- Medical expenses
- Personal belongings
- Foreign use
- No Claims Discount Protection
Third Party Fire and Theft Van Insurance
Not as wide ranging as Comprehensive,
Third Party Fire and Theft van insurance provides
Third Party
cover and for the vehicle following loss or damage caused by a
fire, theft or attempted theft is included. If following a fire or
theft, the costs of restoring the van to its pre claim condition
is greater that the pre claim value, the insurer has the right to
declare the vehicle an economic total loss (commonly known as
'writing off') and in this event would pay to the owner the market
value of the car prior to the loss.
In respect of fire claims it should
be noted that insurance policies exclude mechanical or electrical
failures and breakages. For example, if the poor condition of the
electrical system caused a fire, the insurer would be entitled to
exclude from the claim any cost of replacing the electrical system
although the other damage caused by the fire would be covered.
Third Party Only
Van Insurance
Although less
common these days, third party only
cover is the minimum level
of cover that can normally be purchased for motor insurance in the
UK. It provides cover for the driver of an insured vehicle
against liability for death or bodily injury to other persons
(including passengers), and damage to other peoples property. The
Road Traffic Act ensures that the policy covers costs incurred in
providing emergency treatment to the driver and all passengers if
injured in an accident. Costs of legal representation at a coroners
court or in a court of Summary Jurisdiction are also provided for
should the accident have resulted in a fatality. The cover also
extends to acts of negligence by passengers whilst in the vehicle,
for example if a door was to be opened into the path of an oncoming
vehicle, the damage caused to the other vehicle would be covered.
Uninsured Loss Recovery Insurance is
available at an additional cost for all covers. |
