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Modified van insurance is a speciality type of cover used to financially protect the custom fitted vans used for social and pleasure, along with modifications for the professional to use in their commercial business. Each policy is tailored to fit the needs of the client and the modified van they have chosen to drive. Multi Quote Time can help, by providing multiple quotes for modified van insurance within the UK (including Northern Ireland)
What is considered a modification to my van?
Technically, any changes an owner does to their van may be classified as a modification. These changes can be to make the van more usable for the professional, more comfortable for travelling along with conversions to camper-vans. It is always advisable to inform your broker prior to making any changes and also declaring medications when seeking comparative quotes.
All the above are classified as a modification and increase the risk to the insurance company by either making the van more attractive to thieves and or increasing the value of the van. As a result, modified van insurance will be more expensive than standard van insurance. This makes it all the more important to compare modified van insurance when searching for the best deal available on the market.
Are all modifications classified as high risk?
No, two modifications can be made that a van owner can receive a discount from an insurance company. This includes the placing of their business logo on the side of the van. By placing a business logo on the exterior of the van makes it unique and easier to spot if it is stolen. Because of that, many insurance companies offer discounts if this modification is done.
Security modifications are also classified as a modification, but reduce the risk of the van being stolen. This includes immobilizers, alarms and GPS transponders. Many insurance companies provide discounts when these are installed.
What are the levels of cover of modified van insurance?
All vehicles on the road must have road risk insurance. This includes both those used commercially by professionals and vans used for social and pleasure. The three standard levels of road risk cover include Comprehensive, Third Party Fire and Theft and Third Party only.
Are there any add-ons that can be included in the policy?
Most add-ons to a policy require the level of cover to be comprehensive. A few of the following might be standard with some insurance firms that includes windscreen repair, courtesy van when the van is being repaired, personal injury cover, personal belongings and electronics cover.
The following add-ons can be included, but nearly always raise the cost of the premiums, but also provide peace of mind for many van owners. This includes breakdown cover, European cover, personal injury and legal protection, replacement vehicle if your van is stolen or written off after an accident along with good and tools cover.
Modifying a van is a big investment. The right level of modified van insurance is the type of financial protection needed to ensure your investment will last no matter what occurs on the road. To assist you in finding the right cover for you is van insurance quotes. More information on company van insurance is here and if you own more than one van then van