What is the most reasonable way to get car insurance on a delivery van? What types of car insurance should you consider?

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Hello! Various risks are unpredictable during the van delivery process. In order to improve the protection of your van, it is necessary to insure it in time.

What is the most reasonable way to get car insurance on a delivery van? Which car insurance types need to be considered?

To insure a van, the following four major car insurances are indispensable:

1. Theft insurance. After insuring the whole car theft insurance, if the whole car is stolen, robbed, or snatched, resulting in loss or damage and needs to be repaired, the insurance company will pay for the reasonable expenses. If the vehicle does not have a fixed parking place, or is a vehicle that is prone to theft, you may wish to consider purchasing a full vehicle theft insurance.

2. Third party liability insurance. If an accident occurs during the use of the vehicle, causing a third party to suffer personal injury or property damage, the insured must bear the liability for compensation. The insurance company will compensate for the portion exceeding the compensation limit of the compulsory traffic insurance in accordance with the contract. If you unfortunately crash a luxury car or cause serious injuries while driving, the compensation may be as high as hundreds of thousands, and the maximum compensation for compulsory traffic insurance is 122,000, which is obviously a drop in the bucket. However, if you have purchased three-party insurance, the insurance company can compensate you for the insufficient compensation from the compulsory traffic insurance. It is recommended to purchase three-party insurance with an insured amount of at least RMB 200,000 to RMB 500,000.

3. Vehicle personnel liability insurance. Driver liability insurance: If a vehicle accident occurs and the driver is injured or killed, the insurance company will compensate according to the contract. Especially for novices or people who drive frequently, the risk of accident is high, so it is recommended to buy it to better protect your own safety.

4. Compulsory traffic insurance. The full name is compulsory motor vehicle traffic accident liability insurance. It is the first compulsory insurance system implemented by national laws in my country. It mainly provides timely and basic protection for casualties and property losses caused by road traffic accidents. Compulsory traffic insurance is compulsory. All owners or managers of motor vehicles traveling on roads in China must take out compulsory traffic insurance.

To choose the right car insurance for your van, the following four major car insurances are indispensable. We have integrated auto insurance products from many insurance companies, and you are welcome to come and buy them.