Optional Cover you can Add to your Van Insurance
There are many different benefits you can get as optional cover for your Cheap Van Insurance policy. Some companies may offer these free of charge as a reward for using them to find the policy. Others many offer them to you either as en extra service or provide them on request for a fee. In any case they are additional services that may be useful to you at some point and you should be aware that they exist.
One of the most important optional covers for Cheap Van Insurance is Breakdown and Accident Cover and Assistance. This may come in a number of forms so you must read the fine print carefully to make sure you understand what exactly it is you are paying for. For example, one company offers you roadside assistance in the event of a breakdown caused by normal wear and tear on the van. This is a simple “site” call where the mechanic comes out to the location where the van has broken and attempts to fix the problem. This can either be roadside or at your home. Another company offers you roadside assistance also, but tosses in towing service, standard tire change, and a 24/7 emergency call center.
Along with this you might think about how an accident will impact you legally. A few Cheap Van Insurance policies include “Defense Cover”. This is coverage for legal defense is you are sued and taken to court. While the benefit amount may not be large it should be sufficent to at least assist in paying your legal fees. Do note that this is not to pay fines or the like but to handle hiring a lawyer if it is needed. A related benefit is the cover for legal expenses which covers you if you need to file a claim against someone else for an accident that is deemed to be not your fault. This form of cover will provide you with up to one hundred thousand pounds if you need it to pay legal fees, hiring of a vehicle, and other related expenses to keeping your business running. Cheap Van Insurance with this type of optional cover allows you to file a claim against the person who caused the accident and your company should help you find a solicitor. If you suffer injuries the company will usually help you get those expenses paid for, along with loss of earnings, phone bills, and travel costs.
These are just two of the many different optional covers you will find offered to you by the various companies who are wanting to be the one chosen by you to provide them with business. Should you select one of them that offers either of these you should make sure that you know how these benefits are offered to you. Ask to make sure that you are getting these services at a price you can afford and that there are no hidden costs. Doing this will ensure that you get Cheap Van Insurance with the options you need and that you don't pay extra for the things you are electing to add to your cover.