Are you a new business starting out or an experienced fleet manager looking to refresh your knowledge? Did you know that around 900,000 used vans change hands every year, while the annual new light commercials market in the UK is estimated to be worth nearly £10 billion? In the bustling lanes of commerce, your vehicles are more than just transportation; they’re the lifeblood of your business. At Acorn Insurance, we understand that each mile travelled is a step closer towards success.
Acorn Insurance knows that commercial vehicles aren’t just a mode of transport they affect the success or failure of your business month to month. That’s why we offer specialist insurance solutions to suit the needs of your commercial fleet. From cargo to cab, our commercial vehicle insurance ensures that your journey towards growth is well-protected.
Protecting Your Business on the Move
Whether you’re navigating city streets or charting new routes across the country, your commercial vehicles carry more than just cargo — they carry your business’s reputation. With Acorn’s comprehensive van insurance, you can drive with confidence, knowing that we’ve got you covered. Our policies are designed to address the risks faced by those who drive commercial vehicles every day, providing coverage that moves with you.
Specialist insurance for every turn
At Acorn Insurance, we excel at providing specialist insurance policies that meet our customer’s needs. Our specialist services are not just about policies; they’re about partnerships. We closely collaborate with you to comprehend your business needs. Our dedicated team is committed to helping you find cover.
Top 5 Commercial Vehicle Insurance Tips
When you’re shopping around for van insurance be sure to bear these tips in mind:
- Improve Van Security: Install security features such as alarms, immobilizers, or GPS tracking systems on your vans.
- License Consistency: Ensure that you and your drivers have the correct licensing to operate commercial vehicles.
- Payment Method: Pay your premiums in one go or set up a Direct Debit for automatic payments. Check the ways in which you can pay your premium to find what works for you, as this can differ depending on the provider. For example, you may be charged interest to pay for your premium on a monthly basis.
- Risk Management: Engage in risk management practices to avoid costly claims and maintain lower insurance costs. This includes driver safety training, vehicle maintenance, and complying with industry requirements.
- Secure Overnight Storage: Make sure to store your commercial vehicles in a secure location overnight, such as a locked garage or secure car park. Doing so can significantly reduce the risk of theft or vandalism, as well as your initial insurance premium quote.
These tips are designed to help you get the most value from your commercial van insurance policy while ensuring that your business and its assets are adequately protected.
Commercial vehicles insurance: your safety net
Your commercial vehicles are assets that deserve robust protection. Our commercial vehicle insurance is your safety net, offering extensive coverage for your vans, trucks, and tippers. We ensure that your business stays on track, no matter what comes your way.
Our Top 5 FAQs: Navigating UK Van Insurance with Ease
These questions address some of the key concerns that van owners and businesses typically have regarding commercial vehicle insurance in the UK:
- Can I still get a quote if I don’t know my van’s registration number? When getting an initial quote with Acorn, you don’t need to enter the registration number, but you’ll need to provide it to complete your van insurance application. If you have obtained your quote from an aggregator site it is based on available information, but you’ll need to enter the registration number on our purchase page to get the final quote. Please note: If you do not enter the vehicle registration, the initial quote is provisional and subject to change once we receive the registration.
- Is it possible to insure my van under my company’s name? Absolutely, with Acorn if the van is registered to or owned by your company, you can insure it under the company name with Acorn.
- Can I use my van for personal use if it’s insured as a business van? Yes, social, domestic, and pleasure use is included as standard with all our van insurance policies. However, if you plan to use the van for commuting or business-related activities, you should opt for business van insurance. If you do have any questions about usage, please contact our friendly commercial vehicles team to discuss.
- Will my van insurance policy allow me to drive someone else’s van? No, your Acorn van insurance policy will only cover the insured van listed on your insurance certificate.
- What happens if my van is declared a Total Loss? If you have Comprehensive cover, and your van has been declared as a Total Loss (also known as a ‘write off), depending on the circumstances, Acorn’s claims team could instruct salvage agents to collect the van. In any case, the Insurer will pay the owner the van the market or insured value, whichever is lower, after any applicable deductions. Of course, Acorn’s claims team will be here to guide you through the process.
Van insurance: keeping your business rolling
Vans are versatile vehicles that support a wide range of businesses. Our van insurance policies welcome van drivers who have been turned away by traditional UK insurers and are designed to keep your business rolling. More than that, they offer a sense of security and confidence, providing peace of mind for every journey, whether you are delivering goods, providing services, or transporting equipment.
Mastering the Application: Tips for Van Insurance Success
Applying for commercial vehicles insurance can be a straightforward process if you’re equipped with the right information and approach. Here are some tips to help you navigate the application form for your van insurance:
1. Know Your Requirements: Before filling out the application, understand the specific insurance requirements for your business vehicles. This includes the minimum liability coverage needed and any additional coverage that aligns with your business operations.
2. Detail Your Vehicle Information: Provide accurate details about each vehicle, including make, model, year, and any safety/security features or modifications. This information helps insurers assess the risk and determine the cost of your premium.
3. Driver Details Matter: It is important to list all potential drivers and their driving history. A clean driving history can have a positive impact on your insurance cost. However, at Acorn, we offer specialist van insurance policies to drivers with previous points, claims, and offenses in their driving history.
4. Business Usage: Be sure to clearly specify the purpose of your commercial vehicles. Whether they’re used for delivery, transportation of goods, or other services, the nature of their use can impact your coverage cost. It’s important to note that providing incorrect information about usage during the application process can result in voiding your policy if discovered later and corrected.
5. Safety First: If possible, mention any safety programs or advanced driving training that your drivers participate in. Insurers often provide discounts for businesses that take proactive steps to reduce risk.
6. Review Coverage Options: Understand the different coverage options available, such as comprehensive, third-party fire & theft, and third party only coverage. Select the one that best suits your business needs.
7. Ask Questions: If you’re unsure about any part of the application or coverage options, don’t hesitate to ask your insurance provider for clarification.
8. Accuracy is Key: Ensure all information provided on the application is honest and accurate to avoid issues with claims or coverage down the line.
9. Update as Needed: Keep your policy updated with any changes in your business, such as a change of vehicle or in driver status.
10. Compare Quotes: Once you’ve completed the application, compare quotes from different insurers to find the best coverage.
Secure Your Success with Acorn Commercial Vehicle Insurance!
Ready to secure your commercial vehicles with coverage that comprehensively protects your business? Get a van insurance quote and join the Acorn Insurance customers who trust us with their commercial vehicle insurance needs.
Don’t let uncertainty dictate your business’s future. Contact us today for a no-obligation, hassle-free quotation or call our specialist commercial vehicles team to discuss your insurance requirements and discover how Acorn Insurance can drive your business forward with confidence.