Van Traders Insurance

Yes, because they add real value that a bare trade price does not show. A stock figure built on vehicle prices alone will leave a shortfall after a total loss.

Generally yes, with the stock declared. Passenger-carrying vehicles attract their own questions, particularly around test drives, so mention them rather than describing everything as vans.

They tend to be longer and sometimes loaded, because a business buyer wants to know how the vehicle behaves at weight. Demonstration cover needs to allow for that.

For commercial stock, a gated and lit site with a locked key store is the usual starting point. Higher values bring cameras, monitoring and sometimes physical barriers into the conversation.

At small volumes, yes, though where the vehicles stand overnight becomes the main question. Several vans on a residential street is a difficult risk for any insurer to price well.

The fridge unit is worth declaring separately because it can be a large part of the value. It also raises a question about whether it is running while the vehicle is in stock.

Not for the insurance, though volume matters. Taking a batch off contract in one go can push the stock value well above the declared figure, so tell the insurer before the transporter arrives.

If you drive vehicles that belong to other people as part of the business, an ordinary policy will not respond. Motor trade cover is written around vehicles in your custody, which is the position almost every trade ends up in.

Road risk covers the driving alone. Combined adds the premises, the stock, the tools and the liabilities into one policy. Which you need follows from whether you work from a site of your own.

Usually yes, as a declared vehicle. It is often cheaper than a separate private policy, though the terms differ, so compare the two rather than assuming one wins.

Where demonstration cover has been included, yes. It is not automatic on every policy, so ask directly rather than finding out when somebody has already pulled off the forecourt.

Under a combined policy, usually yes, subject to the security conditions agreed. Under road risk alone, the driving is covered but the vehicles sitting on site generally are not.

Away from the vehicles and secured, and the policy will state exactly how. Key security is one of the commonest conditions in this trade and one of the commonest reasons a theft claim is questioned.

Only for genuine trade purposes and within the rules attached to them. Insurers expect the plates to be used properly, and misuse is both a licensing matter and a cover problem.

Often the same day once the details are in. What slows it down is missing driver information, so gather that before you start rather than partway through.