Commerical Vehicle Cover at InsureAnts.co.uk
The InsureAnts may do a lot of deliveries, but they don’t have commercial vehicle insurance. What? I hear you cry, but that’s insane, not to mention against the law.
Don’t worry – it’s all above board. You see, Brilly Ant and the team are in the business of delivering the best deals online. This is done by scouring the market to find policies that suit you and your budget. There is no van required, except when Brilly sticks on Brown Eyed Girl at full blast in the office.
If you are delivering actual goods, you must have commercial vehicle cover. It may seem like an expense at a time when belts are being tightened across the UK, but it’s better to stay on the right side of the law.
If you are in the business of transporting goods, people or tools, this is the type of cover you need for your van. If you have a van, truck, minibus, coach or HGV (that’s heavy goods vehicle for those not in the know), commercial vehicle is a must – yes even more necessary than that 10.30 cuppa or the pastie from the M6 service station.
Types of Commercial Van cover
The absolute bare minimum cover you can take out is third party. But that’s like sticking one coat of paint on a wall or throwing up a garden fence without the proper posts – it may seem like the cheap option at the time, but it could cost you more in the long run.
It’s always best to go for fully comprehensive. Yes, it’s a bit more expensive, but it covers you, your vehicle, the goods inside and any other person, vehicle or property that is damaged in an accident. Commercial vehicle cover can be quite pricey because vans spend more time on the road than other vehicles, so you can’t afford not to check out the very latest and cheapest quotes out there.
Before you compare quotes online, it’s worth working out how much your vehicle is worth, as well as the goods you normally carry in it.
Fleet Insurance is more cost effective for large firms
If your company has more than one vehicle, you’ll need to take out fleet cover. This is a much more cost-effective way of getting cover for all your vehicles rather than insuring them all individually.
For real peace of mind, you may want to add on a few extras to your commercial vehicle policy such as breakdown assistance or legal protection. They will cost a bit extra, but they are well worth having if you’re left stranded or need some good legal representation in the event of an accident. And when you compare deals with us, you’ll find that some companies may include them at a reduced rate if you take out a policy with them.
If you are looking to save a bit more money in the short term, you can go for a bigger excess on your policy which will lead to smaller premiums. This is risky because if you do need to claim, you’ll have to fork out a good bit of money yourself before seeing any back. If you do take out a bigger excess, make sure you review it annually to see if you can afford to lower it.
If you want a BrillyAnt deal, just fill out the quick quote form or speak to the friendly UK-based team on 0800 479 2821*
Compare Commercial Vehicle Quotes at InsureAnts.co.uk