AA Van Insurance from AA Insurance is a completely separate type of insurance policy from
AA Car Insurance, which is typically for personal vehicles as opposed to those which are actually used as part of business.
Van insurance from AA is, thus, geared especially towards small business owners who may use their van in the course of their daily business activities, such as plumbers, or other tradesmen, or such as many other types of business use for deliveries, etc.
Many regular Motor Insurance policies will not cover vehicles which are primarily used as a part of business, and so policies such as AA Van Insurance are ideal for many small-business owners who use their vans as an integral part of their business operations.
Besides all the standard features available with
AA Van Insurance, some of the additional options which customers can choose to add on include:
* AA Van Rescue
* Van hire cover
* Legal expenses cover
* Personal accident cover
While it's true that each of these additional options represents a small additional expense, compared to the amount of business that could be lost, or other expenses that might be incurred without them, then it's easy to argue that they actually represent a very sound investment.
With AA Van Hire Cover, for example, for a very nominal amount, AA Insurance will provide a replacement vehicle when your van is being repaired after an accident, or if it has been stolen or declared a total loss, or a hire vehicle of similar size for up to three weeks if you have comprehensive cover, and up to two weeks with third-party, fire and theft cover. (check the AA Van Insurance website for exceptions, which may include some vehicles adapted for special uses).
AA Van Insurance makes excellent sense for any small business that relies on its van for its activities, and the comprehensive options and cover available with AA Van Insurance are probably adequate for most small-business owners, but for some business owners, and in certain situations, then
AA Short-term Van Insurance is also useful.
A separate short-term van insurance policy from AA allows you to drive another vehicle without putting the no-claims bonus on your own main vehicle insurance at risk. There are a number of advantages to obtaining short-term van insurance, which include: temporary additional drivers; temporary additional vans; unaccompanied vehicle demonstrations; lending a van to a friend, colleague or relative; and immediate drive-away insurance if you've just bought a van.
The main conditions for obtaining short-term van insurance from AA are: any van you can drive with a standard UK driving licence; any person who has been resident in the UK for 12 months or more; drivers aged between 18 and 75; and fairly standard driving license conditions, which can be seen in full on the relevant AA Van Insurance page.
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