Already on ArticleSlash?

Forgot your password? Sign Up

A Duty of Care - Van Insurance


Visitors: 202

Under UK law it is a requirement that you have, at the very least, the required minimal insurance cover for your commercial van. There are many different commercial vans which are covered under this type of specific insurance. Small vans which are similar to a car at the front end but having a van back end which are used for carry light loads or for making deliveries, including those with a raised roof are included under commercial van insurance, as are medium sized or panel vans, box vans and pick-ups where the load is uncovered in the back.

Commercial van insurance is calculated using a number of varying factors such as the total weight load of the vehicle, the size and type of goods being carried. Hazardous goods such as flammable liquids are considered to be a greater risk and therefore the insurance costs are typically higher. If you have made any modifications, such as lifting ramps to the van, these will also be taken into consideration by the insurers. The ownership of the contents is also a key factor. Contents which are being carried or delivered for a third party, for which payment or reward is received, will need to have additional Goods in Transit insurance cover in most instances.

Insurance quotes are always for one vehicle, if you own more than one commercial van it may be more cost effective to consider fleet insurance, insurance companies differ on the number of vehicles owned to be legible to qualify for fleet insurance, however, all will be more than happy to give you a quote!

Insurance brokers can be a very effective way of finding the most competitive commercial van insurance to meet your needs. By providing all relevant information, either on-line or by phone, they will carry out searches and come up with the most appropriate insurance companies on your behalf.

Additional incentives being offered by insurance companies include generous introductory No Claims Discount offers for new ventures or second vans, unlimited mileage policies with no radius restrictions and replacement like-for-like vans in the event of a non-fault accident. Free legal expenses which try and re-coup any out of pocket expenses for non-fault accidents are also used as incentives, which you may wish to consider when selecting which commercial van insurance company to use.

Many insurance companies realise that paying for insurance can be quite a large sum of money in one up-front payment. As such many offer monthly instalments and easy payment options, including direct debits to help you spread the costs.

All commercial van insurance requires you to up-hold your ‘duty of care’ to ensure the vehicle is maintained as roadworthy and that reasonable steps have been taken to prevent or minimise loss, damage, accident or injury, including the maintenance of security precautions to reduce the cost of claims and legal proceedings. Your duty of care will often include that you take reasonable care when selecting employees. You also have a duty to disclose the purpose of the commercial van and any contents you are carrying.

Staveley Head offers a broad range of insurance policies such as Car Insurance, van insurance , Courier Insurance and goods in transit insurance to fulfill your coverage needs.


Article Source:

Rate this Article: 
Insurance - The Real Reason For Long -Term Care Insurance
Rated 4 / 5
based on 5 votes

Related Articles:

Long Term Care Insurance LTC Insurance Policies Are Enhanced With Care ..

by: Allen Hamm (July 08, 2008) 
(Insurance/Long Term Care)

Cat Health Insurance Care For Your Feline Friends With Extra Care and Compassion

by: Robert S Scott (June 22, 2008) 

Florida Long Term Care Insurance Guide Read This Before You Buy FL Long Term ..

by: James J. Robinson (June 29, 2008) 
(Insurance/Long Term Care)

Long Term Care Insurance Are Policies That Combine Life and Long Term Care ..

by: Allen Hamm (July 08, 2008) 
(Insurance/Long Term Care)

Tax Qualified Long Term Care Insurance Long Term Care Insurance Tax Credits and .

by: James J. Robinson (July 06, 2008) 
(Insurance/Long Term Care)

Long-Term Care Insurance - Why LTC Insurance is a Practical Solution for ..

by: Allen Hamm (May 06, 2008) 
(Insurance/Long Term Care)

Long-Term Care Insurance - Two Questions to Ask Your Insurance Professional ..

by: Jesse Slome (December 09, 2008) 
(Insurance/Long Term Care)

Long-Term Care Insurance - Will DNA Testing Affect the Ability to Get LTC ..

by: Allen Hamm (June 18, 2008) 
(Insurance/Long Term Care)

Long-Term Care Insurance - Avoid Making 2 Crucial Mistakes When Purchasing LTC ..

by: Allen Hamm (June 04, 2008) 
(Insurance/Long Term Care)

Insurance - The Real Reason For Long -Term Care Insurance

by: Jeffery Voudrie (March 20, 2007)