Is a pick-up classed as a private car or a van ?
A pick up can be used like a car for social and pleasure only, however, it has the ability to be used as a business or commercial van. If you intend to use your pickup for commercial use then you will need commercial pick up insurance which is similar to van insurance. If you are seeking personal insurance be sure to understand the limitations of use as if these are not strictly adhered your cover will be invalidated.
Need insurance for your commercial or private pick up truck? We can help by enabling you to receive multiple quotes from a panel UK insurance brokers. How? Simply select multiple quotes and complete the online inquiry form and your individual insurance requirements will be shared with panel if insurers.
It is a well-known fact, that in the UK, in order to operate a truck legally on a public road, you must have truck insurance. Whether you’re a self-employed tradesman who uses his pickup vehicle for work, a delivery person who uses their vehicle for work, or someone who just drives a Pickup as a vehicle of choice, it’s important to remember that all vehicles and policies are not the same. If the vehicle you are looking to insure has a front cab, and an open cargo area in the back, then as you most likely know already, you’ll need pick up Insurance.
How to reduce the cost of pick up Insurance
The costs for pick up insurance is guided by the same factors that govern the cost of van insurance. Like vans the more expensive the pick up the higher will be the insurance. The underwriter will not only take into account the cost, but also the average repair costs which is dependent largely on replacement parts.
If you are considering what make of pick-up to purchase this may be a factor that you wish to take into consideration. Many other factors will be used to determine the final premium that the broker will quote you. We have listed some of the key ones below. Some of these you can take steps to help lower your risk to the insurer and hopefully your final premium.
Types of Pickups Covered
Some factors that will make a difference to your quote are whether or not the vehicle has a standard cab, a double cab, if your vehicle has been modified, and what exactly you use your van for. A standard cab by definition has a single row of seats up front, while a double or ‘extended’ cab will have space behind the front seats, and often will be fitted with a bench seat.
Both 2 and 4 door pickups have a flat open rear making them very versatile, and are used for a multitude of chores. The rear can be left open for easy access or covered by adding carry cab to keep contents safer. Some typical uses these types of vehicles are used for include making deliveries, storing tools that you need to carry our your day to day business or you may like the idea of driving a large pickup truck solely for pleasure.
If you intend to use your pickup in similar fashion to a work business van then you must inform your broker. Extra cover should be taken out if your moving goods or storing valuable work tools in the rear. We have listed some of these extra types of cover that may be required if using a pickup for business or commercial use.