Getting van insurance is something that every van driver in the UK needs to do…but how many also add contents insurance? Not enough.
Put simply, “contents insurance” is when you insure what is inside your van such as tools or equipment, so if they get stolen or destroyed then you are covered and not left out of pocket.
This was recently highlighted in West Belfast, where a business owner had his van stolen by thieves, no doubt for a joy ride, before leaving it in another part of the city and setting fire to it.
While the owner of the van was insured for the van, he didn’t have contents insurance, and unfortunately there was £4000 of equipment in there at the time it was stolen.
Who knows if the van thieves took the equipment or set fire to it all, but the fact of the matter remains that this innocent business owner is now £4000 out of pocket, and because his insurance company is not going to be paying out for his lost equipment then he could even find himself out of business.
“I’ve lost everything,” he said, “the van is probably valued at about £1500 but I had no contents insurance on it so there’s nothing to really cover the tools.”
Let’s hope this particular business owner in Belfast can get back on his feet quickly and it won’t mean the end of his trading days, but if there is one message that every business owner can take away from this story it is…get contents insurance for your van.
All you have to do is visit a van insurance website, such as this one, and then check the box for “contents insurance” on the simple form. Your details are then sent off to over 40 insurers, who then give you instant quotes.
Many van drivers shy away from getting contents insurance for the simple reason that it does make the quote more expensive, but when you use a comparison website you might be surprised to find how cheap the quote can be.
Not only that, but think about the consequences of not having contents insurance, and being put in a position, through no fault of your own, where you have thousands of pounds worth of essential tools and equipment just disappear into the night.
Do you really think these van thieves care about you and your business? Of course not. All they care about is themselves and what they can get. At least if you have contents insurance, then it’s you that has the last laugh.
All it takes is a few minutes to fill out the form on this website here at Cheap Van Insurance and you can start getting quotes right away.