Occupation & Van Insurance

Your occupation is one of the most important rating factors when considering van insurance. Some occupations may involve the carriage of dangerous or hazardous goods. Van insurers would need to know if you do carry anything that would fall into this category as it would be something that would be excluded by a lot of insurers. A good example is demolition contractors. They may well carry explosives that could be used in the course of their day to day business. Other occupations would mean that you are on the road a lot more than other drivers. For example, courier drivers would tend to be on the road a lot more than a builder as a builder would tend to drive to a site and park up for the day while they are carrying out their work, whereas a courier would be constantly in and out of his van delivering parcels. As a result, the majority of van insurance companies would charge a courier more for his van insurance than a builder. Several occupations may be considered to be lower risk by some van insurance companies. For example, florists will be delivering flower bouquets and therefore would tend to take great care when driving so as not to ruin the display. The same could be said for occupations such as antiques dealers. Some occupations may increase the theft risk of your vehicle. For example, those trades that may involve the transportation of high value goods may make your van a target for thieves. Van insurers may consider this when calculating a premium. It is vital that you inform your van insurance company of your correct occupation when you get a quote. If you are unfortunate enough to have a claim and have declared your occupation incorrectly, then you could find your van insurance policy is declared void and you may be liable for any costs incurred yourself.