Is Van Insurance Cheaper than Car Insurance?

Can I insure my van as a car?

It almost goes without saying, but a van is not a car and a car is not a van – you cannot insure a van as a car or vice versa. Although this may seem reasonably clean cut, the whole ‘van / car’ debate is not without grey areas.

For example; some large family ‘cars’ are actually classed as LCVs (Light Commercial Vehicles) whilst many double-cab pick-ups have the functionality and payload capacity of a commercial van – 1 tonne, but all the comfort and luxury features of a car.

Classification

This issue is complicated further by the purpose for which the vehicle is being classified. Vehicles can be classified by:

Manufacturers for sales and marketing purposes

HMRC for taxation purposes

Insurers for insurance purposes

Trả lời

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