When looking for van insurance quotes, the price of premiums are based on not only what type of commercial vehicle you own, but also what level of cover you need. The most basic level insurance for vans is third party fire and theft, which is generally not very helpful for those that drive their vehicles on a daily basis, as if you are in accident you will have to pay for the damages yourself. However, this type of insurance does cover you for theft, which can come in extremely handy if you find one day that you have become the victim of a crime.
But what do you do if you find that your insurance can’t help you when your vehicle is stolen? For example, a business owner in Bristol recently lost his van when an employee left it running outside the building with the keys inside, and then came back to find it was stolen by two men. Unfortunately, the owner of the vehicle, John Grant, found that his insurance was unable to cover the cost for the vehicle as the keys were left inside, so in order to get his van back he had to be creative. Mr Grant decided to go on the social media website Facebook and offer a one thousand pound reward to anyone who could help him find his van, and two days later he was contacted by Julian Thomas who had seen the stolen vehicle parked on his road.
Discussing the theft and return of his van, Mr Grant said: “The van was parked on our property about 6ft from our front door. The thieves walked into the yard and had a look around, as brash as can be, jumped in the van and sped off. I never thought I’d get it back. I found the keys in a nearby hedge and when I opened it found nothing had been stolen, I couldn’t believe it. There was a sat nav on the dashboard and a £200 DeWalt drill in the back. They must have been spooked for some reason and decided to dump the van. This may have cost me the £1,000 reward, but I would have been £9,000 out of pocket if the van hadn’t been found.”