There are a number of considerations that insurance providers use to come to a decision on how much risk an individual poses and therefore what level of premiums to charge. One of these factors is the primary purpose of the van, whether it is:
- To ferry your own goods or those that are essential to your line of work such as cleaning products for window cleaners
- For domestic use or you use the van for a hobby or pastime
- Used for light haulage, where you transport goods on behalf of a third party in return for some kind of payment
Finding a suitable quote on van insurance for light haulage is just one such situation in which the devil is in the details, as such, it is important to compare numerous van insurance quotes in order to get the best possible deal. The main reason why you might see a rise in premiums for polices of van insurance for light haulage is that you are not only insuring your own property but that of other people.
It is open to debate whether it would be more beneficial for you to take out a specific van insurance policy for light haulage, or rather a more broad policy that is more specifically tailored towards the needs of a courier.
Here are a number of companies that offer van insurance quotes with extra protection against having to compensate any third parties if their goods are stolen or damaged. While anyone who engages in light haulage must have van insurance, it is up to you to decide what you need from your policy.