What Kind of Van Insurance Do You Need?

What kind of van you drive could affect the kind of automobile insurance you get and the premiums that you will pay.
Traditionally, a van is any vehicle used for the transportation of goods or groups of people. It is generally a box-shaped vehicle with the same width and length as a large automobile, but it is often taller and usually higher off the ground.
The word van is a shortened version of the word caravan which originally meant a covered vehicle. The same little word holds vastly different meanings when it crosses into different countries.
In the UK, the term van generally refers to the cargo vans that are used by many transportation companies. A passenger van is most likely to be referred to as a minibus. A minivan is called a MPV (multi-purpose vehicle).
In the United States, van universally covers the minivan, the full sized van, and the cargo van.
The distinction is not just in the name. Insurance providers do not insure the different types of vans with the same policies or premiums because of the different functions that come with each type of van and because of the dangers that can be associated with some of the models.
The minivan has been making a huge move in the family vehicle market. The van insurance for these vehicles tends to be less than other models. The industry has made the minivan to withstand high crash standards. This, along with the driver s tendency to take fewer chances on the road, makes insuring a minivan a good investment for the insurance industry.
The full size passenger van is still considered a family vehicle. The van insurance premiums often run a bit higher mostly because these large, bulky vehicles have a stronger tendency to roll over during an impact or during hard, sharp turns.
The cargo vans are mostly insured under different policies altogether because of their use in the business industry.
Finding the right van insurance involves more than just knowing what kind of van you drive. It requires research, understanding, and patience.
Kathryn Lang is a freelance motoring journalist, who moderates at car forums and has written a report into Van Insurance



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