Several types of insurance policies are available and all have their own benefits. Van insurance is also one among them that can be very beneficial for you if you drive a van or have it driven for you. Whether you have a personal van or a business van you must get it insured to take it on the road. It is legally compulsory. One cannot drive a van on the roads without an insurance cover for it. If someone asks you “Do you need any driver van insurance?” The answer is simply “yes” without any doubts. The insurance is protecting you and your vehicle only. Here are the main types of van insurance covers mentioned for you:
Comprehensive:This type of cover protects your vehicle from any kind of damage, theft or vandalism. It also covers the number of people present inside the van. If there is somehow damage caused by you to some other person or his property then it will also protect you in that case. It is the best type of insurance cover that one can have for its van though it is a bit expensive.
Third party with theft and fire protection:This type of insurance will cover all the cost of damage that is caused by you to another person’s body or property. But, it will not protect your vehicle from any type of damage other than fire and theft. There can be more types of it that can cover different things with different companies.
Third Party:It is the cheapest insurance that you can have for your van. If due to your fault any injury is caused to a third party or some damage is caused to the third person’s property then it will cover that. Otherwise there is no good associated with it. It is good to have if you just want your vehicle to run on the road.
Benefits of insurance covers
Though third party van insurance is necessary to get on the roads but, it will not give you any other benefit than that only. On the other hand, if you get your van covered with some comprehensive insurance then you can have the following benefits from it:
Damage or loss covered: Regardless of the cause of the damage, you will get the value from the insurance company for repair and other needs. The damage can occur to van in accident, fire, self-ignition, riots, theft, strikes, terrorism etc. It also covers the loss that happens to the vehicle due to natural calamities like flood, earthquake, tornado or any other such thing.
Garage help: These insurance companies have tie-ups with garages in all over the country. So, no matter where something in your van gets crashed, you can avail the help for free. Thus, it is providing convenience to you to drive tension free all across the country. Your insurance is there to protect your vehicle. Such insurance covers also have the terms of third party insurance. So, these insurance covers will also help you in legal cases.