What If Employees Drive Your Commercial Van?

When you use a van for business purposes, an ordinary vehicle policy will not cover you

. Although the same classes exist, third party, third party fire and theft and fully comprehensive insurance are the same, the class of insurance is not.

When your van is essential to the proper conduct of your business you will need to have commercial van insurance. You should go for a fully comprehensive policy as this covers you for the loss or theft of your vehicle, as well as any costs you may incur if you are responsible for an accident. Some companies will have breakdown cover included under comprehensive insurance and some may not, so it is vital that you ask about this. When you use a van for business, breakdown protection is a necessity, especially if you are transporting goods.

If your business is growing then you're probably thinking of taking on extra employees, if you haven't done so already. You probably know that if someone else drives your vehicle on a regular basis then you should have them on your policy as a named driver. Some companies will give you a discount when you have more than one and up to four or five named drivers.

It is in your own best interests to take out employers' liability cover when you have employees and especially if an employee also drives the company vehicle. Employers liability cover is designed to protect you if someone that you employee has an accident while they are at work. People are entitled to claim compensation for accidents at work, especially if the accident happened because something was not as it should be. This type of cover is designed to help you if anyone in your employ is awarded compensation because of a work based accident.

Many small businesses may need to deliver or collect goods from European locations; if this is the case with your business then you should take out European breakdown insurance. Don't just assume that because you have breakdown cover on your van it will cover you in all circumstances.

Unless your chosen company specifically states the breakdown cover you have with them also includes European breakdown cover, you will need it as an extra. When your vehicle breaks down in the UK it is a nuisance, if it breaks down in Europe and you don't have an adequate policy then it could cost you a lot of money. If your vehicle is severely damaged then you may find yourself with a bill for having the van shipped or flown back to the UK, which would be very expensive.

Take your time and get quotes from a number of different companies, you may want to look for one that specialises in insuring company vans. When you are shopping around for commercial van insurance you should be aware of the needs of your business if you want to get the cover that is right for you and a policy premium that you can afford.

by: Tom Jones

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