Delivery Van Insurance

If your business has one delivery van or a fleet of 50 delivery vans, it can benefit from having the right and best delivery van insurance. This type of commercial auto insurance is designed with your business in mind. Keep reading to learn more about delivery van insurance in Canada.

Delivery Van Insurance
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What is delivery van insurance? 

Delivery van insurance is essentially commercial auto insurance, which means it provides coverage relating to vehicles used for business purposes. These vehicles can be cars or trucks, but they can also be delivery vans, cube vans etc. In essence, any vehicle that transports goods, materials, or equipment for a company is required to have insurance and could benefit from having a custom built delivery van insurance program. 

What are the benefits of a delivery van insurance? 

The benefit of delivery van insurance is that your business will be protected should something go wrong on the road. Whether a driver gets into a collision and the vehicle is damaged or they get injured following a hit-and-run, delivery van insurance can help cover the cost of car repairs or medical expenses. 

What does a delivery van insurance cover?

Delivery van insurance typically includes the coverage that is standard with all car insurance policies in your province. This varies throughout Canada but generally includes the following coverage types:

  • Third-party liability coverage: This protects you if one of your drivers causes a collision that results in third-party property damage or bodily injury.
  • Direct compensation & physical damage cover: This coverage protects your commercial vehicle and the loss of use of the vehicle if you are not at fault or only partially at fault for a collision. 
  • Uninsured automobile coverage: This protects your business if a driver gets into an accident with an uninsured or underinsured driver, or if they are the victim of a hit-and-run. 
  • Accident benefits coverage: This coverage will pay for medical expenses following an injury caused by an auto accident. 

Who needs delivery van insurance?

Since most personal car insurance policies do not cover vehicles used for business purposes, any business owner or independent contractor who uses a vehicle for work doing deliveries should have delivery van insurance. It doesn’t matter what industry you’re in, nor the size of your business, if transporting items is an important part of your business operations, delivery van insurance is a must. 

What level of delivery van insurance should I get?

The level of delivery van insurance you should purchase depends on your specific business. Coverage needs vary between businesses, as does the cost of said coverage. Insurance providers in Canada calculate delivery van insurance premiums based on several factors, like the ag and driving history of the driver(s), the make, model, and year of the vehicle(s) being driven the driver’s annual mileage, and the location of your business. To find the right delivery van insurance for your business, contact ALIGNED. One of our expert insurance brokers will be happy to explain the coverage options available to you and obtain and compare quotes on your behalf. 

Get ALIGNED with the best Delivery Van Insurance on the market. 

You can call us at +1-866-287-0448. Click Here To Get A Quote or contact one of our Delivery Van Insurance experts for information or with any questions you may have.

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