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Multi-Van Insurance

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Multi-Van Insurance

In the diverse landscape of business deliveries and transport, managing multiple vans can be a tough deal, especially when it comes to insuring them. One van is your carrier; however, the fleet is the lifeline of your operations. It is thus important to ensure that each vehicle is protected. Multi van insurance not only protects you from financial loss but also makes sure that your business is running smoothly. A multi-van insurance policy is designed to provide you with financial cover for multiple vehicles, so you don’t have to get each of them insured separately.
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What are the types of multi-van insurance that I can get?

In the UK, the standard car insurance is the same for everyone, regardless of the vehicle you drive. There are basically three main types of insurance policies that you can choose from.

Third-party Only:
For the lowest level of cover, you can always choose the third-party only insurance policy. It is the minimum requirement to take your vehicle out for a drive in the UK. The third-party only cover takes care of any expenses that you may have to pay for damaging someone else’s vehicle or if you cause them any bodily injury. However, it is important to note that there is no coverage for any damage to your vehicle.

Third-party, fire, and theft:
The third-party, fire, and theft car insurance policy offers more coverage than a standard third-party only policy, yet less coverage than a fully comprehensive insurance policy. For your vans, if you choose the third-party, fire, and theft option, you will receive financial coverage for third-party liability as well as any damage that happens to your car by either a fire incident or if your car is stolen.

Comprehensive:
A comprehensive car insurance policy is the highest level of standard cover that you can get in the UK. If you choose to get your van insured under a fully comprehensive policy, you will be covered for almost every general need that you might have. In a comprehensive policy, your insurance provider will bear the cost of repairs or bills that go towards you or your vehicle in any case of collision, a fire incident, vandalism, or theft. You will receive cover for any injuries that you sustain in road accidents, as well.
The type of insurance policy that you choose depends on your personal needs. However, you should always look for quotes on each of these options, as it is not guaranteed that the lowest coverage policy gives you the best deal.

What is the difference between Fleet Insurance and Multi-van Insurance?

Fleet insurance and multi-vehicle insurance are both designed for businesses that operate more than one vehicle, but they differ in scope, flexibility, and eligibility requirements.

Fleet insurance is typically intended for companies or organisations that are managing several vehicles at once. The fleet insurance policy gives a single policy to cover all the vehicles that a particular business owns, simplifying the insurance process. On the other hand, a multi-van insurance policy is designed specifically for people or small setups that usually own two or more vans. This option suits small traders, delivery businesses, or contractors who use several vans for similar purposes.

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Company van fleet benefiting from Multi Van Insurance coverage

What Kind Of Van Insurance Do I Need?

The type of multi-van insurance you need depends on how you use your vans and whether they are for personal or business purposes.
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Social use

If you use your vans only for personal activities, you will need social use cover. This type of insurance protects your vans when you use them for everyday tasks such as shopping, taking children to school, going on trips, or carrying personal items like camping or sports equipment. However, it does not apply if you use your vans to travel to and from work.
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Carriage of own goods

If your vans are used for work, you will need a business van insurance policy. One option is carriage of own goods, which covers your vans for business trips where you carry tools, equipment, or materials that belong to you and are used for your job. For example, it suits tradespeople like electricians or plumbers. However, it does not cover the delivery of finished goods to customers.
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Hire and Reward

Another option is carriage of goods for hire and reward. This applies when you are paid to deliver goods that belong to other people, such as parcels or products, making it suitable for delivery or courier services.
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Haulage

Finally, haulage van insurance covers vans that transport goods over long distances to a single destination, such as bulk deliveries or supply runs between cities.

  • Improve Van Security:
    Insurance companies do a risk assessment before deciding the cost of your insurance policy. A huge risk that is usually considered is theft. To keep the cost of your premium low, you can start by securing your van. Installing security devices like alarms, CCTV, and immobilisers shows that your van is relatively more secure, hence giving you a better deal.
  • Choose Drivers Carefully:
    Your drivers impact your insurance policy as much as your vehicle does. Insurance providers charge higher premiums for young drivers, as it is statistically proven that young drivers are more likely to get into accidents. Hiring older drivers with a good driving record can help decrease your premium.
  • Use a Black Box Policy:
    A black box is a device that is fitted inside your van to record the driver’s behaviour. A black box van insurance, also known as telematics, will record speed, braking, and cornering. If you want to bring the price of your insurance policy down, you can always look towards choosing a black box insurance policy that will help you get a cheaper insurance as well as keep your driving habits in check.
  • Park in Safe Areas:
    The location that you choose for parking your vehicle impacts its security a lot. Your insurance providers will consider your usual parking spots to help calculate your premium. Choosing a secure parking facility or an area with a low crime rate will decrease the risk of your vehicle being stolen or vandalised overnight.
  • Use your business signs:
    Thieves are less likely to target vehicles that can be identified easily. If you use your business logos or contact details on your van, it can be tough for a thief to steal your vehicle and get away with it. Your insurance provider will take into account the decreased chances of theft and may reward you with a decreased cost of your policy.
  • Avoid Automatic Renewals:
    A lot of people let their insurance policy be renewed automatically. Renewing automatically will take away the liberty of knowing whether you are still getting the best deal. Each year, insurance providers increase the premium cost slightly. Also, after a year passes, the circumstances change, and you may get better deals elsewhere with your new profile.

Is a multi-van insurance policy cheaper?

Getting a multi-van insurance policy can often be cheaper than insuring each van separately because you’re basically getting a group deal. However, the total cost still depends on the kind of vans you have and the insurance group they belong to. Smaller and lighter vans usually cost less to insure since they fall into lower insurance groups. Larger, more powerful, or expensive vans are placed in higher groups, making their insurance more expensive. Even one high-group van in your fleet can raise the overall premium. Besides saving money, a multi-van policy also makes things simpler. You’ll have one insurer to contact and one renewal date to keep track of.

Small business vans insured with Multi Van Insurance policy

Can anyone drive under a multi-van insurance policy?

Usually, yes. Anyone will be able to drive under a multi-van insurance policy. Most of the multi-van insurance policies are set up on an “any driver” basis. This setup makes it possible for anyone who is a part of your team or business will be able to drive any van, as opposed to each driver being restricted to a specific vehicle. Such flexibility can be convenient as you don’t have to update your insurer every time a new driver joins or if there is a temporary exchange of vehicles. However, it is important to note that this convenience does not come cheaply. Your insurance provider will usually see an “any driver” based insurance policy as riskier to insure, hence premiums tend to be higher to reflect that risk.
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What Add-Ons Can I Add to My Multi-Van Insurance Policy?

The basic level of insurance in the UK is the same for everyone, regardless of your vehicle. However, to suit your unique needs as the owner of multiple vans. You can look for optional add-ons that can help you customise and tailor your insurance policy as per your exact needs.

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Breakdown Cover

A breakdown cover is among the most popular add-ons for van owners. Imagine your van breaks down in the middle of nowhere while completing urgent deliveries. With a breakdown cover, you do not need to be helpless in such a situation, as assistance can be just a phone call away. A breakdown cover provides roadside assistance if your van breaks down on the road. Depending on the level of cover you choose, it can include roadside repairs, towing to a nearby garage, or even onward travel for you and your passengers.

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European Travel

If your business involves trips outside the UK, European travel cover is a must. This specific add-on allows you to take your vans throughout Europe with the same level of protection that you get back at home.

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Courtesy Van

A courtesy van extra can be crucial for those who cannot afford to halt their business due to the unavailability of a van. If your van is being repaired, you can get a temporary replacement from your insurance provider if you add a courtesy van add-on to your policy. Whether you use your van for deliveries, visits, or transport, this cover can make sure that you are not left empty-handed while your van is being repaired.

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Lost Keys

Losing keys is something everyone goes through, but replacing them is not as easy as losing them. New keys can be expensive, especially if you use modern electronic ones. The lost key cover will take care of the cost of your keys if you ever misplace them. You will be financially covered for the cost it takes to replace the key or any locksmith expenses that might appear.

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Windscreen Cover

A cracked windscreen can cause trouble for you on the road. It is dangerous to drive with a chipped or cracked windscreen. While most people understand the importance of a clean and safe windscreen, replacement can cost a lot. The windscreen cover offers financial coverage for repairing and replacing a damaged windscreen so you can safely drive again.

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Legal Protection

Accidents can lead to disputes, and legal costs can rise quickly. Legal protection cover ensures that your legal fees are taken care of if you need to make or defend a claim after an accident. This can include recovering uninsured losses, such as lost earnings, damage to personal items, or the cost of hiring a replacement van. Having this cover in place gives you access to professional legal support without the financial burden.

Frequently Asked Questions

Do I need to have a commercial license to get multi-van insurance?

In most cases, you do not need a special commercial driving license to insure your vans, as long as you hold a standard full driving license. However, if your vans are unusually large or carry heavy loads, some insurers may require a specific type of license. It’s always best to check with your provider to make sure all drivers meet the licensing requirements for the vehicles on your policy.

Can cars be included in a multi-van insurance policy?

Possibly, yes. Some insurers offer multi-vehicle policies that let you cover both cars and vans under the same plan. However, not all companies provide this option, so you’ll need to check with your insurer first.

How many vans can be covered under a multi-van policy?

That depends on the insurance company. Most insurers allow you to start a multi-van policy with just two vans, but some can cover a much larger fleet, even up to hundreds of vehicles. It really comes down to how many vans your chosen provider is willing and able to include in one policy.

Will a multi-van insurance policy cost less?

It might. Many insurance companies give discounts when you insure more than one van under the same policy. This can make it a simpler and sometimes cheaper option. However, a multi-van policy isn’t always the lowest-priced choice. The cost depends on things like the type of vans, how they’re used, and who drives them.