require several things of motorists. First, they often
require evidence of certain details provided in the
application for insurance. They require a basic standard of
behaviour by motorists they authorise to drive their vans.
Motorists must also disclose any material information that
would affect the policy or the insurer's ability to cover
them. Failure to abide by these requirements can result in
the invalidation of the policy and the refusal to pay
Licence and No Claims
purchasing cover, the insurer may require motorists to send
in copies of licences and proof of their no claims discount.
The insurer wants to validate motorists' details and thus
reduce fraud, keeping premiums lower for legitimate insured
motorists. As such, they may require a copy of the
Counterpart and both sides of a motorist's driving licence
photo card. They will accept certain documents as proof of
the no claims bonus, including one's private car bonus,
one's EU bonus if offered in English by a sworn translator,
one's commercial vehicle bonus if it has been used for
personal purposes, or proof of a company car or van
claims-free driving experience, among others. Any proof of
one's discount must come from the last two years; proof
older than two years is no longer valid.
Basic Van Care
expect a basic minimum amount of care to be taken with vans
covered by their policies. Policy documents often state that
motorists must take all "reasonable precautions to avoid
loss or damage." Such precautions may include things like
closing and locking all doors, windows, and sunroofs, not
leaving personal items in sight, or activating alarms when
leaving the car. Insurers may require proof that security
measures have been fitted to the van – these may include
alarms, tracking devices, or immobilisers. Insurers also
require that motorists keep vans in roadworthy condition;
they may require documents that show vans were regularly
maintained. They can examine the van whenever they like. If
motorists fail to take reasonable care of the vehicle, the
policy may be invalidated and the insurer no longer has to
pay any claims.
Duty of Disclosure
must give insurers complete and accurate information when
purchasing cover, during the period of cover, and when
renewing the policy. Any changes in information material to
insurance cover needs to be disclosed to the insurer.
Failure to do so, or inaccuracies in the information
provided, may void the cover. The Road Traffic Act makes it
an offence to make false statements or withhold material
information in order to obtain a Certificate of Insurance.
often have additional requirements of motorists on vans that
they cover. It's important for motorists to verify that they
are abiding by all required standards.
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All details above are
based on a typical policy and conditions will change from
time to time, and from one insurer to another so please
check policies carefully before entering into any
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