Why pay for an annual van insurance policy when you are only going to be driving a van for a day or over a short period of time? With a temporary van insurance policy you can get cover for between 1 and 28 days.
If you are planning on driving a van that you do not own then you need to make sure you are insured to legally do so. The owner of the van will have insurance but it will not cover you to drive it unless you are specifically added to their policy. So to legally drive someone else's van you need to get a daily van insurance policy.
There are many reasons that getting a temporary policy would be the most logical thing to do. If you are borrowing a friends van, maybe to use to move a large domestic appliance or you borrowed it to move home then you need to make sure you are insured.
If you are buying a van you may want to do an unaccompanied test drive. You may have just brought a new van and need to drive it home or to a business premises. If you have not already gotten your annual policy in place or you may not be the usual driver of the van then you need to get insurance cover for the day. A day is the minimum amount of time you can take out a policy for.
The reason you want to make sure that you are covered are twofold. Besides the fact that it is illegal to drive uninsured if you get caught it can mean a fine and points on your license. If being able to drive a van is part of your job then you obviously do not want to lose your license.
What happens if you have an accident that damages another vehicle, writes off the van you are driving or worse kills or injures another person. With no insurance you will not only face the possibility of a custodial sentence but you will have no way of financially replacing the van or getting it fixed unless you pay out of your own pocket. Is it really worth the risk?.
You can apply for a policy online and your policy will be active instantly so there is no need to wait around for your policy to arrive in the post. In fact you can print off your documentation straight away. Your temporary policy will not affect your no claims bonus.