Do you have questions on van insurance? You can find the answers to some of the most commonly asked questions right here.
What if I only need short-term van insurance?
You can purchase short-term van insurance for up to 28 days. Most companies won't insure drivers under the age of 24, and each driver must have a valid drivers licence for the UK, EU or international driving. This sort of van insurance can be taken out on rentals, loans, or as first-time insurance when you've just purchased a van.
Is rental coverage on a van really necessary?
You may not need it if you currently have regular insurance on another vehicle. Call your insurance agent to find out. Do note, however, that there is a difference between personal and business coverage. Most personal policies will not cover business use of a rental vehicle.
Should I report an accident to my insurance company that will only be covered by my deductible anyway?
This is up to you. If you don't report it, your deductible will still be in effect, and any subsequent accidents will be treated as if you have not paid anything on your deductible amount. However, if you do report it, you may be rewarded with higher insurance rates, especially if you are marring an otherwise stellar driving record. If you don't report it, make sure you ask anyone you pay money to for damages to sign a release that you have paid damages in full.
What if one of my vans is in a bad accident and the other party sues me for millions?
Talk to your insurance company as soon as someone starts throwing the idea of a lawsuit around. Part of their job is to provide lawyers to defend you in cases like this, and to defend themselves too. Remember, the party bringing the suit will be liable for expenses if they lose the case, so they will drop it if they have a bad case and your insurance is ready to fight them with good lawyers.
What if a van with a driver not named on the policy gets into an accident?
You are probably personally liable for any damages if you authorised the driver to get in that vehicle. If you did not authorise him, your insurance company is not liable either. The only way you are likely to avoid paying for the damages is if you sue the driver and/or hold him criminally liable for taking your property without permission.
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