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Simple as it sounds you may or may not drive a Van unless?

Whether you have a large family, or a small business that requires the local transportation of goods, there’s a good chance that you’ll need a van to get around. As you shop around for the perfect van for your needs, you may be thinking about the impact that driving a van might have on your car insurance. What is interesting is most would think many people are not buying vans, however with the financial crisis more people are opting to leave their home and live in a van as mentioned in Priceonomics.

One of the biggest questions you may have is whether or not you can drive a van on your car insurance.

The answer to that question may not be as clear-cut as one might think. In fact, the answer largely depends on three factors:

  • The type of insurance you have

  • How the van will be used

  • The size of the van

The type of insurance you have

If you hope to purchase a van, the first thing that you should do is contact your insurance company to make sureliving in a van that your policy includes vans as eligible vehicles. Most standard car insurance policies will cover vans, but it always best to double check before making any kind of purchase. The reason why most auto insurance companies will allow vans on standard policies is that they are typically used as passenger vehicles.

You should also be able to drive a van on your car insurance if your policy is a commercial one. Not all commercial policies are the same, so you’ll want to check with your auto insurance provider to see if your new van will be eligible for coverage. Geico offers coverage for larger vans which indicates if you have a large van for business or more than eight passengers you may need commercial coverage.

How the van will be used

The intended purpose of your van is, quite frankly, the biggest determining factor used by your car insurance company when deciding if they will allow it to your policy.

Most people use vans for two reasons:

  • To transport passengers

  • To transport equipment or goods

If you’ll be transporting passengers, the next thing to think about is who the passengers will be. Do you intend to use your van for you and your family or will be using it to transport other people as part of a business?

If you’re only using the van for personal reasons, such as driving around you and your family, then you’ll be able to drive a van on your car insurance.

On the other hand, if your van will be used as a taxi or some other form of transportation of non-related individuals, then there’s a good chance that you won’t be able to drive your van on your current auto insurance plan. In that case, you’ll need to sign up for a commercial policy that is separate from your personal one.

nice vanIf you’re a contractor or small business that needs a van for making deliveries, you won’t be able to drive a van on your standard auto insurance for that purpose. Like those looking to drive a van as a taxi, you’ll need commercial van insurance to operate your cargo van. In that case, you should also consider adding physical damage coverage to your commercial van policy.

The size of the van

While the intended purpose of the van is usually the deciding factor as to whether or not it will be covered by your standard car insurance policy, the actual size and seating capacity of the van may also have an impact.

Most minivans will seat as many as 7-8 individuals. That number won’t catch the attention of car insurance providers, and is perfectly acceptable for just about any car insurance policy.

On the other hand, large passenger vans may seat as many as 12-15 people. That number may raise some eyebrows and cause your auto insurance provider to look deeper into the van’s use. As a result, your insurance company may require additional documentation before you can drive such a van on your car insurance.

Be honest about the use of your van

While being able to drive a van on your current car insurance policy may be the most affordable option, it is always best to make sure that you are honest about its intended use. While you may get away with adding a van intended for commercial use on your existing policy, you may find yourself with voided coverage if the insurance company were to find out.

If you do plan on adding a van to your existing policy, it may be worth your while to compare how much you’ll pay with other providers with coverage on the new van. To compare rates, simply fill in your zip code at the top of the page, and answer each of the questions asked. We’ll provide you with a list of quotes from the leading car insurance providers in your area to help you get affordable insurance for your van.

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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