Flatbed Van Insurance

Flatbed Van insurance is specially tailored for the unique build of this type of Van and the often-increased risk associated with the way that it’s used, the equipment carried, or the materials being transported. Here’s what you need to know.

What is a Flatbed Van?

Flatbed Vans, also referred to as dropside Vans or lorries are vehicles that have large, roofless backs with substantial space to carry oversized equipment or materials used primarily in the building trade.

The standout feature on these trucks is that typically the sides will drop to open, making them extremely versatile for loading all manner of items quickly. Although usually found on building sites or for the use of transporting and delivering building materials, flatbed Vans still have other uses. The type of use of the vehicle needs to be clearly defined to your insurance company.

Does my business need Flatbed Van insurance?

If you use a Flatbed or Dropside van as part of your daily business activities, you’ll understand the importance of making sure you're adequately covered. Although there are no specialist insurance cover requirements for Flatbed Van, it’s essential you have everything fully covered in the event the worst happens.

If you own a flatbed, you’ll need to provide the make and model to the insurance company. Make sure you are fully protected for theft, loss and damage for the vehicle itself and the goods, materials or equipment you may be transporting daily.

Reducing your outgoings as a business is always a priority and vancompare.com is here to help you compare the best deals from the UK’s top insurers.

Types of Insurance for Flatbed Vans

Since nearly all flatbed vans are used for business and commercial purposes, we can assume that you won’t need a private insurance policy which is reserved purely for recreational purposes.

As with all Van insurance, there are a few different types of cover for Flatbed Vans. The cover you need will largely depend on what you will use your flatbed for. In order to make sure you're fully protected, always be upfront and honest with your insurance company as to the Van's intended use.

Why is flatbed Van insurance more expensive?

When comparing Flatbed Van insurance, you’ll need to provide your Vans make & model. Flatbed Vans tend to be bigger, more powerful and more expensive than the average van which increases the risk of either accident or theft. This increased risk usually pushes a flatbed into a much higher insurance group which will be the main consideration when calculating your premium.

Although extremely versatile, due to the open nature of the Van itself, a flatbed can often be harder to drive and is a prime target for opportunist thieves. It can sometimes be difficult to secure your load. You should never leave your Van unattended with its payload intact, especially overnight. Most insurance companies won’t pay out in this case.

How can I save money on Flatbed Insurance?

Every business owner wants to save money on outgoings and insurance is no different. Although nothing is guaranteed, there are a few things you can consider when looking to get cheaper flatbed Van insurance.