When you depend on your van to keep your business ticking along, you can't afford for anything to go wrong.
But accidents do happen, even if you're a safe and responsible driver. Whether you have a minor bump or are involved in something more serious, below is some advice on what to do.
Our claims line is open 24 hours a day, seven days a week on 0800 035 4260.
If you use your van for business purposes, you'll have taken out a commercial insurance policy, choosing from third party; third party, fire & theft; or comprehensive cover. But there are also some other types of insurance to be aware of.
Do you use your van to transport other people's goods? If so, you need to take out specific insurance.
It's called 'carriage of goods for hire or reward' cover, and it's split into two categories: haulage and courier. Haulage insurance is needed when you make a couple of deliveries a day, usually ordered through regular contracts. Courier cover, on the other hand, includes multiple daily drop-offs to various addresses.
If you're unsure which type of cover you need, talk to your insurer. Taking out the wrong insurance could invalidate a future claim.
Both haulage and courier insurance policies include cover for goods in transit. If your van is used to transport your personal tools and equipment, you may need to arrange additional cover on top of your commercial policy.
Hastings Direct offers tools in transit insurance, covering you against loss and damage or destruction of your tools while being loaded upon, carried by, temporarily housed upon, or unloaded from your van.
If your van is stolen, call the police immediately to report the crime. The police will give you a reference number, which you'll need when you make a claim.
If you need to report a claim, call our helpline on 0800 035 4260 as soon as you can. To speed up the process, please have the following details to hand:
We'll ask you to fill out a claim form and send us copies of all the documents and details you've gathered, including any photographs you took of the incident.
At this stage, you should tell us if any goods, tools or equipment were damaged in the accident, as we may need to consider them as part of your claim.
Make sure you send us any letter or other communication you receive from anyone else involved. You should also notify us of any prosecution, coroner's inquest or fatal accident inquiry occurring as a result of the accident.
If you've got any questions about your van insurance policy, our customer service teams are always happy to help. Give them a call on 0800 035 4946.