Van Insurance
Getting insurance for your van is the same as getting a normal car insurance policy – unless you're using it for commercial reasons, that is.

Van insurance is generally included with a standard car insurance policy which can cover you for damage, fire, theft and more. The only time you might need more specialist cover is if you use your van exclusively for commercial purposes.
Yes. Every vehicle on Australian roads must have compulsory third party (CTP) insurance, also known as your "green slip".
If you cause a crash, it will help pay for other people's injuries and sometimes your injuries depending on which state you live in, but that's where it stops. It doesn't cover your van, the other person's car or any other property you damage. That's all on you.
You can protect yourself even more by adding one of 3 optional levels of cover on top of your CTP. Depending on what level of cover you choose, the following forms of cover can essentially protect you from damage you cause and damage that you can't pinpoint on another driver.
The following table shows which events TPPD, TPFT and comprehensive insurance will cover. The events your policy covers are called insured events.
Event | Third party property damage | Third party fire and theft | Comprehensive |
---|---|---|---|
Damage to their car | |||
Damage to their other property | |||
Fire | |||
Theft | |||
Vandalism | |||
Storm and hail | |||
Flood | |||
Earthquake | |||
Hit and run | |||
Uninsured driver | |||
Hitting an animal | |||
Hitting another car | |||
Hitting another object | |||
Personal items cover | |||
Roadside assistance | Optional | Optional | Optional |
Flexible excess | Optional | ||
Key and lock replacement | |||
New for old car replacement | |||
Excess-free windscreen cover | Optional | ||
Hire car cover |
Commercial vehicle insurance is designed to help your business cover the costs that arise from an accident or damage to your business vehicles, along with protection against the risk of theft. Commercial vehicle insurance generally covers vans, cars, electric vehicles, utes and light trucks. Learn more about commercial vehicle insurance here here.
"Understanding the difference between agreed and market value can be the difference between a smooth sailing claim and a total nightmare. Market value can be cheaper, but agreed value allows you more control over the total sum insured, noting that your sum insured should cover whatever you owe on the van’s loan or lease. If you’re using the van for business purposes, consider insuring it for an amount that covers any after-market accessories you’ve added like built-in storage, as well as tools of trade."
There are ways to save on your van insurance and still have a policy that covers what you need. Here are some tips to help you save:
Most insurance policies come with an excess, which is your share of the damage costs every time you make a claim. There are several different types of excesses:
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Just like your car, you can protect your boat in the same way with insurance. Boat insurance can cover you for a range of things from personal liability and third party damage, to natural disasters and vandalism.
Looking for an insurance company that will provide cover for our caravan that is hired out through out the year via the Camplify Platform. tried the usual companies, but no luck
Hi Heather, this is a tricky one. Given the nature of your business, you could try landlord insurance. Good luck!