Zego, an insurtech company, has just unveiled its new commercial van insurance product, designed to meet the unique needs of tradesmen and businesses throughout the United Kingdom.
This comprehensive insurance solution combines extensive coverage with innovative technology, providing tradesmen with unparalleled protection and peace of mind as they go about their daily work.
Types of Van Insurance
Before diving into the specifics of commercial van insurance, it’s essential to understand the different types of van insurance available in the UK. The two main categories are personal van insurance and business van insurance.
Personal Van Insurance
Personal van insurance, also known as social, domestic, and pleasure (SD&P) cover, is designed for vans used for non-work-related activities. This type of insurance is suitable for individuals who use their vans for personal purposes, such as shopping, visiting friends and family, or going on vacation. SD&P cover typically includes protection against accidents, theft, and damage to the van.
Business Van Insurance
On the other hand, business van insurance is tailored for vans used for commercial purposes. This type of insurance is essential for tradesmen, such as plumbers, electricians, and builders, who rely on their vans to carry tools, equipment, and materials to job sites. Business van insurance can be further divided into two subcategories:
1. Carriage of Own Goods: This cover is suitable for tradesmen who use their vans to transport their own tools, equipment, and materials to and from work sites. It provides protection for the van and its contents in case of accidents, theft, or damage.
2. Hire and Reward: This type of insurance is necessary for individuals who use their vans to transport goods belonging to others for payment. Delivery drivers and courier services typically require hire and reward insurance.
Photo: ZEGO
Zego’s Business Van Insurance for Tradesmen
Zego’s cutting-edge offering is specifically tailored for self-employed tradesmen and small businesses that rely on vans to carry out their work. Whether you’re a plumber, electrician, or builder, this policy provides a comprehensive shield against a wide range of risks, including accidental damage, theft, fire, and vandalism. With Zego’s commercial van insurance, tradesmen can focus on their craft, secure in the knowledge that their vehicles, tools, and equipment are fully protected.
What Does Zego’s Commercial Van Insurance Cover?
Zego’s fully comprehensive policy, which can be purchased through a single online payment or convenient monthly instalments, goes beyond standard coverage by providing protection for both commercial and personal use. This means that tradesmen can use their vans for work and leisure activities without the hassle of managing separate insurance policies. The policy covers:
● Accidental damage to your van
● Theft and attempted theft of your van or its contents
● Fire damage to your van
● Vandalism and malicious damage
● Third-party liability, protecting you if you injure someone or damage their property while driving your van
● Personal belongings and tools kept in your van (limits apply)
Optional Extras for Enhanced Protection
Zego understands the importance of keeping tradesmen on the road, which is why they offer a range of optional extras to provide additional protection. These include:
● No Claims Discount (NCD) protection: Allows you to make a claim without losing your hard-earned NCD
● Breakdown cover: Comprehensive roadside assistance, recovery, and home service throughout the UK
● Legal expenses cover: Provides legal support and covers legal costs in the event of a claim
How Can Tradesmen Benefit from Zego Sense?
Zego Sense is an innovative app-based policy that rewards safe driving. By opting for Sense when purchasing their policy, tradesmen gain access to a smart mobile app that monitors their driving behaviour and assigns a personalised driver score. The safer you drive, the higher your score, and the greater your discounts when it’s time to renew your policy. With Zego Sense, tradesmen can take control of their insurance costs while promoting safer driving habits.
Why Choose Zego for Your Commercial Van Insurance?
With over 58 million policies sold in the past 7 years, Zego has established itself as a trusted provider of commercial insurance. The company’s dedication to simplifying insurance is evident in its user-friendly mobile app, which allows policyholders to manage their documents and coverage easily on the go.
What type of van insurance do tradesmen need?
Tradesmen using a van for their work need a type of insurance called “carriage of own goods.” This covers them for carrying tools, equipment, and materials in their van, as well as for traveling between job sites. If the van is also used for personal driving, a “social, domestic, and pleasure” policy is required. Zego’s comprehensive business van insurance includes both types of cover.
How can tradesmen get cheaper van insurance?
To save money on van insurance, tradesmen can:
1. Only include essential drivers on the policy
2. Maintain a clean driving record to build up a No Claims Discount
3. Compare quotes from multiple insurance providers
4. Pay annually instead of monthly, if possible
However, it’s important to balance cost with the level of coverage needed to adequately protect the business.
Is van insurance more expensive than car insurance?
Van insurance can be more expensive than car insurance because vans are often used for commercial purposes, which carries a higher risk. However, the exact cost depends on factors like the type and value of the van, how it’s used, and the driver’s history. By taking certain steps, like maintaining a good driving record and choosing the right van model, tradesmen can find affordable policies that meet their needs.
What is the difference between personal and commercial van insurance?
Personal van insurance, also known as social, domestic, and pleasure (SD&P) cover, is for vans used for non-work-related activities, like shopping or visiting friends. Commercial van insurance, such as carriage of own goods cover, is for vans used for business purposes, like carrying tools or materials to job sites.
Can I insure multiple vans under one policy?
Yes, many insurers, including Zego, offer fleet insurance policies that allow you to cover multiple vans under a single policy. This can be more convenient and cost-effective than insuring each van separately.
How long does it take to get a quote for commercial van insurance?
With Zego’s online quote system, you can get a quote for commercial van insurance in just a few minutes. Simply provide some basic information about your van, your business, and your driving history, and you’ll receive a customised quote instantly.
What happens if I need to make a claim on my commercial van insurance?
If you need to make a claim on your Zego commercial van insurance policy, you can do so easily through the Zego app or by contacting their dedicated claims team. They’ll guide you through the process and work to resolve your claim as quickly and efficiently as possible.
As UK tradesmen navigate the challenges of a constantly changing market, Zego’s commercial van insurance emerges as a reliable and adaptable solution. By combining comprehensive coverage with state-of-the-art technology and a customer-centric approach, Zego is set to transform the way tradesmen protect their livelihoods, one van at a time. If you’re a tradesman in need of commercial van insurance, look no further than Zego for the protection and peace of mind you deserve.
