What different levels of van insurance are available?
Just like car insurance, there are three basic levels of van insurance available in the UK; Third Party Only (TPO), Third Party Fire and Theft (TPFT) and Comprehensive.
Third party only
This is the minimum level of cover that is required, by law, in order for you to drive a van.It covers:
- Liability for injury to others
- Damage to others property
- Liability for damage caused whilst towing a trailer
Please be aware that third party fire and theft does not cover accidental damage to your own vehicle or property. This cost will have to be covered by yourself in the event of an accident.
Third party fire and theft
This provides the same level of cover that third party does with the following additional benefits:
- Damage by fire
- The theft of your own van
- Damage to your van caused during an act of theft
Comprehensive
Comprehensive cover is the most extensive van insurance cover that is available and includes everything that third party fire and theft does with the following additional benefits:
- Loss or damage to your own van
- Windscreen cover
- Personal effects cover
- Accidental damage
- Medical expenses