Selecting a rental van is not really a lot of fun as there are only a few sizes to choose from the "combo type" (used by the Post Office for delivering mail, a "Transit short wheel base (SWB)" size model used by numerous maintenance contractors, the "Transit long wheel base (LWB) often used for delivering parcels by courier companies or the Luton van that is a large box type van often with a tail lift which handle small removals.

If you are looking for the best deal or special offer can be rewarding and looking for the best deal possible on van hire insurance have quite the same obvious interest, but it can save you lots of money and potentially, from near financial ruin.

Once the rental van has been found and the rates checked, it is the time to sit back for a short while and consider the insurance position of the rental van. Does the van come with all the types of insurance you need? Is the cover under each category sufficient to give you peace of mind? Are their any costs and exclusions that are perhaps not immediately obvious when looking at the headline price? Is there really any alternative to taking what the rental company are offering by way of insurance cover?

Van hire rental insurance may or may not come with some insurance included in the price. If it doesn't, the rental company will offer it to you as separately purchasable elements. In such a situation, you are under no obligation to take their products as you can purchase your own cover from a direct insurance provider at a fraction of the cost the rental company would charge.

In other cases the rental company may include some or several components of insurance into the rental price. In those situations you can check with the rental company to see if they will offer a 'rental only' price without the cost of their insurance built in. That may also give you the possibility to purchase your own at a much lower cost though some rental companies may be unable to offer a 'rental only' price if the rental price is a special deal that includes mandatory insurance.

If the van rental company's rental van insurance is included in the rental price and cannot be unpackaged from it, you may also wish to check it carefully. That's because their basic insurance often excludes some areas of the rental vehicle from damage cover (i.e. you'll have to pay if they're damaged).

It's also possible that their third-party cover for damage you may do to others is capped at a maximum payout level that's far too low given high court awards following an accident. If all that's not enough, it is worth checking the excess on their policy. That's the amount of money you may have to pay towards the costs of any accident - typically this will be in the region of between £500 and £1,500 or more.

So even if you have van rental insurance from the rental company, you may feel that it is just not enough to cover the risks. Once again check out the direct van hire insurance providers on the Internet. They also offer rental van insurance that exists to 'bridge the gaps' in the van rental company's basic cover.

If you have to pay the rental company for excess following an accident or for repairs to areas of the rented vehicle not covered by their insurance policy, your own direct policy would reimburse you. The policies and offerings of these direct insurers may be worth a look if you're keen to save some money at the same time as getting better insurance cover in place.

This information is provided as guidelines only and jml Property Services (insurance4vanrental.com / insurance4carrental.com does not accept any responsibility for it's accuracy

© jml Property Services April 2010