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Van Insurance

What is Van Insurance
A Van is a kind of vehicle used for transporting goods or groups of people. It is usually a box-shaped vehicle on four wheels, about the same width and length as a large automobile, but taller and usually higher off the ground, also referred to as a Light Commercial Vehicle or LCV. However, in North America, the term may be used to refer to any truck with a rigid cargo body fixed to the cab, even up to large sizes.

Vans are used for a number of purposes. Apart from the purpose that your van serves from you, the model of your van also plays a big role to ultimately determine how high a premium it would attract. It is obvious that a commercial van would attract higher premiums than a non-commercial one. And then, an expensive model of your van can obviously swing the premiums upward.

At first, let us get the definition of a van clear. It is distinguished from a car, especially in terms of its size and carrying capacity. A van can obviously accommodate more people along with goods. In fact, vans are also used for cargo, as when the term applies to the vehicle we have in the UK. And often these are used by the transportation companies since it does the carriage in bulk, which a normal family of four members may not require for general use.

Van insurance policies have higher premiums on such commercial vans since they generally carry passengers and goods as a paid service. They serve a special purpose of transportation on ad hoc basis as well. When the van is used more for the purpose of carrying passengers, it may be considered to be more of a minibus. Insurance companies generally look at the purpose that your van serves for you, since that also determines the various risks your van is exposed to on the roads, and the wear and tear that it may undergo.
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