It is, with great pleasure, that we are not reporting on the horrendous icy conditions that are blocking UK roads and causing the insurance sector to bury their heads until the cold snap is over. We’ve spent weeks preparing drivers for winter and getting their van insurance policies in tact in anticipation of the depths of a UK winter, but today was like being in Benalmadena in October – glorious. Winter? What winter?!
But that is no need to be complacent, if you’re taking out a van insurance renewal policy. Not only can the British winter turn up unexpectedly, but by not having the right commercial vehicle cover, you too could be in for a nasty shock if you’ve not marked every box on the tick sheet when it comes to taking out your new van cover.
Tip: buy a good pair of sunglasses for driving your van at this time of year! Although we have no snow, UK roads are inherently damp. Combine that with a low-lying sun and it can be like shining a bright torch in your eyes, if the conditions collude against you. And your visor is useless – the sun is too low in the sky to be blocked by dropping it down.
In the absence of any snow, and none on the horizon, we’ll run through that check sheet with some of the things you may not have considered, but may be essential to your business, should you ever need to make a claim.
Let’s start with the basics. If you drive a van, you need insurance. Okay, not rocket science. Where many commercial drivers slip up is that they believe, just because van cover was expensive last time, it covered everything.
For many businesses, sole traders especially, they know what they’re good at and that’s what they like doing. Filing tax returns, applying for public liability insurance and renewing your van insurance policies are aspects of running your business that simply get in the way of you doing your job. If there’s a quick way of dealing with them, you will, instinctively, take that easy option. It’s just human nature. Believe me, I know.
This oversight could be costing you hundreds of pounds every year. Not only on the cost of your base product, but also what not having a particular aspect added to your van insurance policy to save money could end up costing you in the event of you having to make a claim.
Read More […]