Van Breakdown Cover
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Van breakdown cover is designed to help the van business owner to keep their van or fleet of vans on the road. This allows for the business to stay functioning with the shortest possible delay in service as possible by providing an on-call repair service 24/7. Whilst van breakdown cover can be included in your van insurance, it can also be purchased as a stand alone product from specialist in this arena. Some of these better know providers include Green Flag, RAC and the AA.
Does my business need van breakdown cover?
If your business involves the moving of material or items with a van for a third party, then by having breakdown cover you can keep your business operating and meeting deadlines when a van becomes disabled and can no longer operate.
How does van breakdown cover keep the business operational?
Van breakdown cover is the on-call service that repairs the disabled van at your home, on the roadside or at the business when it is necessary. This can be a broken belt, flat tire, dead battery or other simple repairs. A crew is dispatched to the scene of the disabled van and repairs, if possible on the roadside are carried out to get the van roadworthy as soon as possible.
If the vehicle can’t be repaired on the road then the van will be transported to as service garage where repairs will be conducted. In some policies, a replacement van is then dispatched to help the business owner keep their schedule.
Who is covered with van breakdown cover?
Unlike other types of cover being offered, commercial van breakdown cover is for the vehicle and not a driver or drivers. Because of this, no matter who is operating the van when it breaks down, they can call and get assistance.
There are policies where a person is covered and not the vehicle. This is a personal van breakdown cover and made for the individual that owns a private van. This is a specific cover and must be requested by the van owner. A business owner would not take out the personal van breakdown cover.
What are the different levels of van breakdown cover?
This is a cover that will dispatch a repair vehicle to the scene of the disabled van and commence making repairs. If repairs on the roadside are not possible then the van will be towed to the nearest garage for repairs. The van has to be at a minimum 1 mile away from your home or business location.
This is the same as basic but expanded. The tow, if necessary will be transported to the destination of choice by the policyholder instead of to the nearest garage. This level might also have a mileage limitation to match the business service area of the policyholder.
This is the same as national roadside with the addition of repairs being made at your home or business address. With this service, if the van has a dead battery on a winter morning or other needed service, it will be repaired in a short allotment of time.
This type of cover is protection when going abroad. The area covered includes the countries on mainland Europe and the islands off the coast of Europe and England. This cover includes roadside repairs and the towing of the vehicle back to your residence, business address or garage in the UK.
This is a specific cover that provides a replacement van when the van in need of roadside assistance can’t be repaired on the road. This makes it possible to keep the delivery service operating without limitations.
How many service calls are allowed annually?
No two businesses are alike the number of breakdowns on an annual basis can’t be accurately predicted. Due to that most van breakdown covers have no upper limit to the number of service calls that can be made each year. QDOS offer unmlimited call outs.
What are the limitations of the van that can be covered?
Limitations may exist and will vary from broker to broker, we have listed some typical limitations.
The van can have a gross weight of up to 3.5 tonnes.
The outward dimensions also have to be 2.3 metres wide or less and not taller than 3 metres.
Both of those restrictions are so the standard tow vehicle can be used to haul the broken down van to a garage.
There might also be a time limitation the mechanic can work on the broken down van on the roadside before it is required to be towed away. In most policies, this is 30 minutes.
Business owners with a fleet of vans know that over time the vans in their fleet will breakdown. The owners also know they should have van breakdown cover so their business can keep their commitments to their customers. Those owners without this cover will have disgruntled clients that could lead to the business failing due to the bad reputation of not being reliable.