Insurance is essential if you drive a van in the UK. Whether you use it to carry tools and equipment or you’re transporting goods and materials, you’ll want to be sure that your van is covered in the event of an accident.
Any-driver fleet insurance can give you that peace of mind, but the name gives the misleading impression that anyone can drive your vehicle. It is important to be aware that this is not necessarily the case.
What is any-driver van insurance?
Any-driver van insurance is a convenient way to get a group of people covered by one policy. This type of insurance provides coverage for each individual named in the policy, not just the primary driver. All you need to do is provide the insurance company with a list of the drivers that will be using your vehicle. As a result, multiple people can drive your van and be covered by your insurance.
To add a named driver to the policy, you will need to provide personal details about them, including their driving history, age, and previous convictions. Each of these factors can influence the risk profile of a driver, thereby affecting the overall insurance premium. A more experienced driver with fewer convictions can lower the risk level of the policy and make it less expensive.
How does an any-driver insurance policy work?
Under an any-driver policy, the eligibility criteria vary from insurer to insurer. Some insurers only allow drivers over 25, while others may allow them to be over 21. To understand your insurer’s requirements, check the policy terms and conditions.
What are the different types of any-driver van insurance?
The type of van insurance you need will depend on how you use it. There are three main types of commercial van insurance:
- Carriage of own goods
The van will be used for carrying your own goods, such as tools and equipment. - Hire and reward/courier
The van will carry goods for other people, such as deliveries or courier services. - Haulage
The van is used for long-distance deliveries, usually from one business to another.
What are the different levels of any-driver van insurance?
You can choose from three levels of any-driver van insurance, depending on how much protection you want. Insurance models include:
Fully comprehensive
This is the highest level of van insurance and covers the driver and any third parties. Vehicles are also protected against fire, theft, and vandalism.
Theft, fire, and third-party
This level of insurance doesn’t cover everything that a fully comprehensive policy does, but it still offers coverage for a variety of risks. This type of insurance offers protection against fire, theft, and vandalism. It also covers you if you cause damage or injury to third parties.
Third-party only
You are required to have this level of coverage for your van by law. While you are covered if your van damages or injures a third party, you are not covered if you or your van are damaged or injured. As a consequence, if your van is written off or damaged in an accident, you could be faced with steep bills.
Who needs any-driver van insurance?
An any-driver van policy is often purchased by companies with multiple employees who need to drive the same vehicle for work purposes, whether it’s to travel to a job site or deliver goods and services locally. It’s important to make sure all drivers are covered under the policy as this can help prevent accidents and claims that could result in expensive legal fees.
If your business owns more than one van, a multi-van insurance policy covers more than one van which can also be written for any driver. When it comes to multi-van insurance, you want a policy that provides you with the cover you need at a price you can afford. At Bluedrop Services, we offer a wide range of policies to suit your individual requirements and budget. We understand that when it comes to the safety of your employees and property, quality is key. That’s why we only work with top-rated insurers in order to provide our clients with an affordable solution that delivers outstanding value.
