A commercial van insurance quote in UK differs greatly from a personal insurance quote in many different ways. Many of the ways the two quotes will differ include the type of coverage you will need and more.
One of the ways personal insurance differs from commercial van insurance quote UK is that with personal insurance you are insuring only one person. You only have to worry about one person’s driving record. Commercial insurance considers every driver you have with your company.
They might not be driving every single day or the same vehicle. The insurance company will examine every person you have with your company who is driving to see if they are willing to insure them. You might have an employee that they deny coverage too. You might have to find other work for this person or send them packing.
Personal insurance covers your vehicle and minimal personal items in your car. You will have to pay a deductible and usually if there is theft in your vehicle then the theft will be less than the deductible so there is no point in making a claim. If you make a claim and your insurance company does pay it after you pay the deductible then your monthly rates will go up.
Usually, it is worth more for you not to place a claim with the insurance company when theft or damages occur. A commercial van insurance quote UK will make a big difference in this realm because as a business you do want the maximum amount of coverage you can get.
This is because you might be carrying thousands of dollars of inventory around in your vans and you want the contents of your van to be covered in addition to the vans if an accident occurs.