Tag: van insurance

Car or Van? How To Ensure Your Insurance Policy Fits Your Vehicle

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Today, knowing the difference between a car and a van is crucial for tax and insurance.

The Definition Of Cars And Vans: Understanding The Difference

Cars and vans are both vehicles that we use daily, but what exactly distinguishes the two?

Understanding the difference between cars and vans is important for several reasons,

including taxation, insurance, and practicality. 

Car-Derived Van: A Grey Area

Car-derived vans are a unique type of vehicle that often confuses people.

According to HMRC, a car-derived van is a goods vehicle that is constructed or adapted as a derivative of a passenger vehicle.

These vehicles are vans that you can buy as a car, such as the Ford Fiesta or Vauxhall Corsa.

From the outside, they look like a cars, but inside, they function like vans with no rear seats and a large payload area.

However, they typically have no side or rear windows.

Double Cabs

The area that causes the most confusion is double cabs, also known as crew or kombi vans.

These are vans such as the Volkswagen Transporter or the Ford Transit that have a second row of seats.

To qualify as a commercial vehicle for tax, a van needs a minimum payload capacity of 1000 kg.

But if the load space is small and the second row of seats takes up more room, it may be seen as more suited for passengers than goods.

Pick-Up Trucks: The Payload Predicament

Pick-up trucks like the Ford Ranger, Toyota Hilux, and Nissan Navara can cause confusion with classification.

The key thing for a pick-up truck to become a commercial vehicle is if the vehicle’s payload is over 1000kgs.

Most double-cab pick-ups have a carrying capacity over this, but it’s important to ensure it stays over this figure.

Small payload vehicles are considered passenger-carrying vehicles and are taxed and insured as cars.

What happens If My Commercial Vehicle Is A Car?

If your commercial vehicle is classified as a car, it may affect your insurance.

This could leave you without coverage in an accident.

You also won’t be able to reclaim VAT on the purchase or lease unless you prove 100% business use.

And you’ll lose the Benefit in Kind taxation, resulting in a higher rate of tax.

How To Determine If Your Vehicle Is A Car Or A Van

Your V5 logbook can offer guidance on whether your vehicle is a car or a van.

Manufacturers must declare the class of the vehicle at the point that it leaves the factory gates, using four classifications:

M1 for cars, M2 for minibusses, and N1 and N2 for commercial vehicles.

However, this doesn’t account for car modifications after the vehicle leaves the factory.

It’s also worth remembering that modifying your vehicle could invalidate your insurance.

HMRC and your insurer may have different views.

Weigh your vehicle and check guidelines from governing bodies to be sure.

The Differences Between Car And Van Insurance

Van and car insurance are different, with each having its level of risk, features, and cover.

Your vehicle requires the correct insurance, and you cannot drive a car on your van insurance.

MultiCar insurance can help cover both a car and a van.

Conclusion

Understanding the difference between cars and vans is essential for practicality, taxation, and insurance purposes.

Double cabs, car-derived vans, and pick-up trucks often fall into grey areas.

Checking payload capacity, modifications, and guidelines can clarify your vehicle’s classification.

Ensure that you have the correct insurance coverage for your vehicle.

Be aware of the potential impacts on your taxation and insurance coverage if your vehicle is misclassified.

Understand the distinctions between cars and vans.

You can make informed decisions about your vehicle use and ensure compliance with relevant regulations.

Negligent Workman Causes Collision When Ladder Falls Off Van

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Safety first….

The incident that happened on the Coast Road in Walsall.

It serves as a reminder of the importance of securing loads properly before setting off on the road.

Negligence in this regard can cause serious accidents and pose a threat to the safety of other road users.

Absent-Mindedness And Road Safety

The workman hadn’t secured the ladder to his vehicle when he travelled along the busy main road.

The case is an example of how a moment of absent-mindedness can have serious consequences.

Although nobody was injured in the crash caused by his ladder falling off the van, the incident could have been much worse.

It is fortunate that there were no injuries and that the damage caused was limited to the two vehicles involved.

The workman’s lawyer highlighted that his client had been going through a period of absent-mindedness at the time of the incident.

This was likely due to the stress of his mother’s illness.

While this may have been a contributing factor, it is essential to emphasise,

all van drivers have a responsibility to ensure that their loads are secure before taking to the road.

Penalties For Failing To Secure Loads

The court fined the workman £150 and gave him three penalty points.

This is a reminder that drivers who fail to secure their loads can face penalties under the law.

A Wake-Up Call For Road Safety

The incident highlights the need for awareness and caution on the roads.

It is easy to become complacent and overlook safety measures, especially when we are preoccupied with personal issues.

However, it is essential to prioritise safety at all times, as the consequences of a moment of carelessness can be severe.

Conclusion

The incident caused by the absent-minded workman is a reminder of the importance of securing loads properly,

and the dangers of negligence on the road.

Unsafe loads can invalidate any driver’s van insurance in the event of an accident claim.

It is vital for drivers to remain aware of their responsibilities.

And take all necessary precautions to ensure their safety and that of others on the road.

Road Rage Incident On M6 Goes Viral And Sparks Criticism

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One driver’s actions often trigger road rage incidents.

A road rage incident on the M6 motorway in Cheshire has gone viral on social media after a video was captured of a van driver threatening another driver with a steering wheel lock.

A Tense Scene Of Road Rage Unfolds

The road rage incident took place on March 31st.

It was on the M6 motorway when traffic was preparing to leave the slip road, and a large queue of vehicles was trailing behind the van.

A man in a fluorescent jacket with the words ‘gas’ on the back approached the van and seemingly attempted to unlock the door.

As a result, the van driver brandished a bright yellow steering wheel lock..

Viral Video Sparks Criticism

Critics slammed both drivers for their behavior

The video, which people widely shared on TikTok, Twitter, and YouTube, has drawn criticism as many have slammed both drivers for their behavior.

It remains unclear what occurred between the pair that made them so irate.

However, the incident lasted just 30 seconds, and both drivers then returned to their vehicles and drove off.

The use of violence in this incident is concerning, as it could have escalated into a more serious situation.

Road rage incidents are not uncommon, and they can be dangerous and even deadly.

In 2019, the UK government introduced new legislation that increased the penalties for dangerous driving.

This includes road rage incidents, which can result in fines and even imprisonment.

The Dangers Of Road Rage And The Need For Calm And Patience On The Road

It is important for drivers to remain calm and patient on the road, especially during traffic jams or other stressful situations.

If you feel threatened by another driver, avoid confrontation and report the incident to the police.

It is also important to ensure that your own behavior is responsible and considerate of other drivers,.

One driver’s actions often trigger road rage incidents.

Conclusion

This incident serves as a reminder of the importance of responsible driving and the potential dangers of road rage.

It is essential for all drivers to remain calm and patient on the road.

Avoid engaging in confrontations that could lead to violence or other dangerous situations.

Essential Van Insurance Tips Every Tradesman Should Know

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Introduction

Van Insurance…

Tradesmen rely on their vans to transport their tools and equipment, and to travel to different job sites.

This makes van insurance an essential requirement for anyone running a business where their van plays a crucial role.

Protect Your Business

Van insurance is a type of commercial vehicle insurance that covers vehicles operating for business purposes.

It protects the policyholder in the event of an emergency or damages caused to their vehicle.

In addition, typical van insurance covers a range of risks.

For example, these include collisions, third-party liability, medical payments, rental reimbursements, and roadside assistance.

Furthermore, coverage extends to customized equipment, uninsured motorist protection, and business use.

Why Tradesmen Need Van Insurance

There are several reasons why having van insurance is essential for tradesmen.

Firstly, your van may meet with an accident on the road or catch fire due to internal machinery problems or some other external events.

In such cases, your insurance company will provide you with the required safety and security and cover all the losses or damages.

Another prime importance of van insurance is that it covers the loss or damage of your vehicle while in transit by air, roads, railways, or inland waterways.

Understanding The Coverage Of Van Insurance

Your car may get involved in an accident where it has caused damage to any third parties.

Under these circumstances, the third party will claim the money from the tradesman, which can be a significant amount.

Having van insurance protects you in case a car accident involving your vehicle results in the injury or death of a third party.

With a personal insurance cover, you get compensation with a predetermined amount.

The personal cover protects you from the loss of your life or bodily insurance.

In case you receive a fatal accident with great damage to your body, personal insurance can provide you with protection.

Insurance can help the family fight out the loss with fiscal stimulus.

Hassle-Free Coverage For Busy Tradesmen

Many insurance companies offer online customer service to service holders.

They provide live chat and email support, allowing you to get answers to your queries and confusions regarding the insurance policy without problems.

Assurance comes with quality, and insurance provides you with it.

Van insurance is easy to access and provides automated renewal.

You don’t have to worry about policy expiry as it automatically renews.

This is particularly helpful for busy tradesmen who may forget to renew their policy on time.

Get cheap van insurance from cheapvaninsurance.co.uk and save yourself from the odds in life.

Conclusion

Small businesses are crucial to a country’s economy, and tradesmen play a significant role in developing it.

Therefore, it is important for tradesmen to keep themselves and their assets secure for sustenance.

Van insurance provides a shield against any mishaps, ensuring that you can focus on growing your business without worrying about any unforeseen events.

So, if you are a tradesman, get yourself insured and enjoy the peace of mind that comes with knowing that your van is protected.

White Van Driver Dangerously Undertakes At 90mph On M4

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The incident of a white van driver dangerously undertaking at 90mph on the M4.

This is just one example of the dangers of reckless driving on motorways.

The Dangers Of Reckless Driving On Motorways

Video footage captured by an unmarked police car shows the van driver swinging from the outside lane to the inside lane.

Overtaking several vehicles on the way, and then moving back into the middle lane.

This is a clear violation of traffic rules and puts the lives of other drivers at risk.

Speeding And Undertaking: A Lethal Combination

Speeding on motorways is a common problem.

But, when combined with reckless overtaking, it can lead to serious accidents and injuries.

Drivers who undertake and exceed the speed limit reduce their reaction time.

This increases the force of impact in case of a collision.

According to road safety experts, the risk of death or serious injury doubles for every 10 mph over the speed limit.

Undertaking, which involves overtaking another vehicle on the inside lane, is illegal in many countries including the UK.

It is an extremely dangerous behaviour, especially when the driver being overtaken is unaware of the other driver’s presence.

The video footage of the white van driver on the M4 is a stark reminder of the importance of following traffic rules on motorways.

The police officers in the unmarked car were able to witness the dangerous driving and take appropriate action.

The Importance Of Following Traffic Rules On Motorways

However, not all reckless drivers are caught, and many accidents go unreported.

It is important for all drivers to be responsible and avoid behaviours that put their lives and the lives of others at risk.

There are several steps that drivers can take to ensure their safety on motorways.

First and foremost, it is important to obey the speed limit and avoid overtaking on the inside lane.

Drivers should also maintain a safe distance from other vehicles and be aware of their surroundings at all times.

It is also important to avoid distractions, such as mobile phones or eating while driving.

These can lead to loss of concentration and delayed reactions.

Steps To Ensure Safety On Motorways

In addition to being responsible on the road, drivers can also take advantage of technology to enhance their safety.

Many modern vehicles come equipped with features such as automatic emergency braking and lane departure warnings, which can help prevent accidents.

GPS navigation systems can also provide real-time traffic information, helping drivers avoid congestion and potentially dangerous situations.

Conclusion

The incident of the white van driver dangerously undertaking at 90mph on the M4 is a clear example of the dangers of reckless driving on motorways.

It’s important for all drivers to be responsible and avoid behaviours that put their lives and the lives of others at risk.

Follow traffic rules by maintaining a safe distance from other vehicles.

By being aware of their surroundings, drivers can help ensure their safety on the road.

Save Money On Van Insurance With Telematics

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You can easily and quickly install telematics devices.

Introduction

If you own a van or run a business that relies on a van fleet,

then you will know how expensive insurance can be.

With the cost of van insurance continuing to rise,

it’s no surprise that many van owners are looking for ways to reduce their premiums.

One of the most effective ways of doing this is by installing a telematics device in your van.

What Is Telematics And How Does It Work?

Telematics is a technology that uses GPS to track the location, speed, and driving habits of a vehicle.

Insurance companies can then calculate premiums based on how the van is being driven using this information.

By installing a telematics device in your van, you can demonstrate that you are a responsible driver.

It will reduce the risk of accidents, which in turn, can lead to lower insurance premiums.

The Benefits Of Installing A Telematics Device In Your Van

You can easily and quickly install telematics devices.

Once installed, they provide real-time information about your driving habits.

This information can include how fast you are driving, how hard you are braking, and how smoothly you are driving.

Insurance companies can use this information to calculate how much risk you represent

and offer you a policy tailored to your driving habits.

Using Telematics To Improve Your Driving Habits

In addition to reducing insurance premiums, there are other benefits to installing a telematics device in your van.

For example, it can help you to identify areas where you can improve your driving habits.

This can make you a safer and more responsible driver.

It can also help you to manage your fleet more effectively by providing you with real-time data.

It can provide the location of your vans and the performance of your drivers.

The Positive Impact Of Telematics

The use of telematics technology has been shown to reduce the number of accidents on the road.

This is because drivers are more aware of their driving habits.

Drivers are more likely to adopt safer driving practices when they know someone is monitoring their driving.

As a result, reducing the risk of accidents can lead to lower insurance premiums.

Conclusion

Telematics technology can be a valuable tool for van owners and businesses that rely on a van fleet.

By installing a telematics device in your van, you can demonstrate that you are a responsible driver,

reduce the risk of accidents, and potentially save money on your insurance premiums.

With the cost of van insurance continuing to rise, it’s important to explore all the options available to you to keep your costs down.

Telematics is a proven and effective way of doing this.

If you haven’t already done so, consider installing a telematics device in your van today and start reaping the benefits.

Van Insurance Rates Soar by 15.5% – What’s Behind the Spike?

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Introduction

Van insurance has become significantly more expensive in the past year.

With an increase of 15.5% for new business customers, according to the latest Consumer Intelligence Van Insurance Price Index.

Why does this matter?

Rising Costs And Regulations Drive Up Van Insurance Prices

The average quoted cost for van insurance in the UK is now £1,129.

But wait, there’s more…

Prices have dropped 3.3% in the past three months and are below the record high hit in September 2022.

A Recent Dip In Van Insurance Prices

So, what’s the catch?

Despite this recent dip in prices, the overall trend remains upward.

Being driven by rising claims costs and new pricing regulations by the Financial Conduct Authority.

You’re probably wondering why…

The cost of claims is increasing due to the impact of inflation on parts, labour, and replacement vehicles,

as well as the increase in traffic on the roads after the pandemic lull.

What does this mean for you?

In response, insurers are raising premiums to cover these costs, with overall market premiums up 30.8% year-on-year.

Older Van Drivers Pay Significantly Less Than Their Younger Counterparts

Here’s a shocking truth:

The ban on “price walking” was introduced by the FCA a year ago.

It prevents insurers from quoting higher renewal prices to existing customers than new customers.

How does this affect you?

This has led to higher renewal prices for all van drivers.

However, older van drivers aged 50 and over are still paying significantly less than their younger counterparts.

With an annual policy costing just £691 compared to a prohibitively high £3,153 for drivers under 25.

Business Users Paying Higher Premiums

Wondering if this applies to business van users?

Average premiums have now increased 52.4% since April 2014 when Consumer Intelligence first started collecting data.

With prices peaking in September 2022 and now sitting just 5% below the all-time high.

But here’s the kicker…

Business users are now paying slightly higher annual premiums than those who use their vehicles as a car substitute under ‘social, domestic,

and pleasure’ policies, likely due to spending more time on the road and their vehicles being more technologically advanced.

So, what can you do about it?

Despite rising prices, van insurance remains a necessary expense for many drivers, particularly those who use their vans for business purposes.

However, it is worth shopping around to find the best deal and considering ways to reduce the cost of premiums,

such as increasing the voluntary excess, improving security measures, and building a no-claims bonus.

Conclusion

Van insurance prices have increased significantly in the past year due to rising claims costs and new pricing regulations by the FCA,

But don’t lose hope!

There are some signs of improvement with a recent drop in prices.

The bottom line?

Older drivers are paying significantly less than younger drivers.

It is important for all drivers to shop around for the best deal and consider ways to reduce their premiums.

A Sobering Warning: Drunk Van Driver Caught with Child on Toolbox

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Introduction

The consequences of drink-driving can be severe.

A recent case in Shrewsbury is a stark reminder of the dangers it poses.

Police caught a van driver with a child sitting on a toolbox in the back of his van.

The driver was more than twice the legal limit for alcohol consumption.

Caught In The Act

Police stopped the van driver on Hereford Road in Shrewsbury on January 14th while he was driving a Vauxhall Vivaro.

Upon inspection, officers found there were no seats or seat belts in the back of the van where a child was sitting on a toolbox.

The lack of proper seating and the driver’s alcohol impairment endangered the child’s safety.

A Reminder Of The Dangers Of Drink-Driving

A breath test showed that the van driver had 71 microgrammes of alcohol in 100 milliliters of breath.

This is more than twice the legal limit of 35 microgrammes.

This alcohol level could have caused blurred vision, slower reactions, and impaired judgment, all critical for driving.

At Telford Magistrates’ Court, the van driver pleaded guilty to two charges.

Namely drink-driving and using a motor vehicle in a manner that could cause danger to passengers.

As a result, he received an 18-month driving ban, which he can reduce by 18 weeks if he completes a course by February 2024.

The court fined him £120, ordered him to pay £135 in costs, and imposed a £48 surcharge.

The incident highlights the dangers of drink-driving and the importance of adhering to safety regulations and standards while driving.

The presence of a child in the back of the van further compounds the risk posed by the driver’s irresponsible behaviour.

The lack of seats and seat belts in the van made the child more vulnerable to injury or harm in the event of an accident.

Putting Passengers At Risk

This case serves as a reminder of the importance of adhering to safety regulations and standards while driving.

Drivers must prioritise their safety and their passengers’ safety and avoid taking unnecessary risks,

such as drunk driving, which could result in severe consequences.

Additionally, drivers must ensure that their vehicles are appropriately equipped with necessary safety measures,

such as seats and seat belts, to protect their passengers in case of an accident.

Conclusion

Drink-driving is a reckless behaviour that poses a significant risk to road users.

The case of this van driver highlights the dangers of drink-driving,

especially when children are involved.

It is essential to prioritise the safety of all road users by avoiding reckless behaviour.

Adhering to safety regulations and standards,

and ensuring that vehicles are appropriately equipped with necessary safety measures.

And remember, drink driving can affect your insurance policy.

Electric Van Production On The Rise: Time To Make The Switch

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The Ramp-Up In Electric Van Production Offers An Opportunity For Fleets

The Association of Fleet Professionals (AFP) believes that the ramp-up in electric van production presents an opportunity for fleets to make the switch from diesel vehicles.

The chair of the industry body says some members report shorter lead times for electric vans compared to diesel equivalents.

Shorter Lead Times For Electric Vans Prompt Fleets To Place Orders

Electric van production is starting to pick up pace.

Although the numbers remain small in the overall industry, lead times for electric vans take several months.

This makes it an opportune time for fleets to place orders.

The increase in production is a result of manufacturers putting greater resources into electric van production to meet corporate emissions targets.

AFP Believes Electric Vans Are The Future Of Light Commercial Vehicles

The AFP views that although there are concerns about the operational and technical barriers associated with electric vans, most fleets can start using them relatively easily in certain applications.

Electric vans are the future for light commercial vehicles and the industry needs to work towards resolving any operational problems.

Now is a good time for fleets to place orders, given the current supply situation.

Need For Government Support To Speed Up The Adoption Of Electric Vans

The AFP believes the government must provide more support to speed up adoption and overcome objections.

Incentives, like benefit-in-kind used to boost car electrification, would greatly help fleets acquire electric vans.

Investing in electric vans

The switch to electric vans has the potential to significantly reduce emissions, improve air quality, and save on fuel costs.

Electric vans have lower maintenance costs due to fewer moving parts than diesel vehicles.

The technology behind electric vans is improving, offering longer ranges and faster charging times.

The upfront cost of electric vans is higher than diesel vehicles.

However, savings in fuel, maintenance, and government incentives can offset the cost over time.

Furthermore, the long-term benefits of reduced emissions and improved air quality make electric vans an attractive option for fleets.

Conclusion https

In conclusion, the ramp-up in electric van production presents a great opportunity for fleets to make the switch to electric vehicles.

The AFP believes that with proper consideration and government support, electric vans can become a viable solution for many fleets.

The benefits of reduced emissions, improved air quality, and cost savings make it a smart investment for the future.

Unroadworthy Van Stopped by Police for Multiple Violations

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Wilts Special Ops tweeted – #RPU stopped a van after the passenger failed to wear their seat belt…

Another issue was the driver using trade plates that expired in 2018.

The driver used the plates in an unauthorised manner.

The vehicle had no tax, MOT, or proper documentation.

Looking for cheap van insurance?

Traffic Stop Made On Van For Serious Violation Of The Seatbelt Law

Last week, the Wiltshire RPU stopped a van for a serious traffic violation.

The passenger wasn’t wearing a seat belt, breaking the UK’s Road Traffic Act.

This law requires all passengers to wear seat belts when the vehicle is moving.

Wearing a seat belt is one of the best ways to protect yourself in a crash.

Driver found to be using expired trade plates in unauthorised manner

The van was operating on expired trade plates, which had expired in 2018.

In fact, trade plates are temporary registration plates.

Typically, dealers and manufacturers receive them for vehicles they transport, demonstrate, or test.

However, they are not intended for private use or conducting business.

Van Found To Be Unroadworthy 

The situation grew even worse when officers discovered, in addition, that the van was unroadworthy.

The vehicle did not have any tax, MOT, or insurance, which is a clear indication that the vehicle is not roadworthy.

The MOT certificate is a legal requirement in the UK and confirms a vehicle has passed its annual safety inspection.

Drivers must also have valid tax and insurance to legally operate a vehicle on public roads.

Consequences For Driver And Vehicle Owner

These violations are extremely serious and can have severe consequences for both the driver and the vehicle’s owner.

The driver could face fines, points on their licence, or even criminal charges.

The authorities could penalise the vehicle’s owner for allowing it to operate without insurance, tax, or an MOT.

Legal Requirements For All Vehicles On Public Roads

It’s important to remember that all vehicles, whether they are cars, vans, or lorries, must meet legal requirements in order to be operated on public roads.

This includes having a valid MOT, tax, and insurance.

Additionally, all occupants must wear seat belts while the vehicle is in motion.

Restrictions And Laws Regarding Trade Plates

Drivers should be aware of the restrictions and laws regarding trade plates.

These are not meant to be used for private or commercial purposes, and can only be used under specific circumstances.

In Conclusion

This news reminds all drivers and vehicle owners to ensure their vehicles are roadworthy.

Make sure all legal requirements, like insurance, MOT, and tax, are in place.

Always check these before driving on the roads.

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