What’s the difference between pick up insurance and truck or van insurance?
Pick up trucks are classed as commercial vehicles, which means they are usually covered by van insurance, rather than a standard car insurance policy. The type of cover you need for your Ford Ranger will depend on whether you use it for social or business purposes.
We offer a range of different policies, from third party only to fully comprehensive cover that’s tailored to suit your needs, whether you use your pick up for work or as your daily runaround.
Do I need commercial or domestic use insurance for my pick up?
This will all depend on how you choose to use your Ford Ranger. If you are using it for work purposes, such as carrying equipment, commuting to work, driving between jobs or using it to make deliveries, you will need commercial insurance.
If you’re only using your Ranger for domestic, social or leisure reasons, such as seeing friends or family, going on holiday or driving to the shops, you will only need private van insurance.
Driving with the wrong cover can result in your insurance being invalidated when making a claim and will in turn make it harder to get a policy in the future.
Extra Benefits
Flex Drive
Drive Any Car Insurance
There are many reasons you might need to drive someone else’s car, either in an emergency or as part of an agreement.
While many policies include third party cover for you to drive any vehicle, this often leaves you liable for the full cost of your own damage caused in the event of an accident.
Our Flex Drive car insurance extends your cover to include accidental damage cover on the vehicle you’re driving, just like a fully comprehensive policy. It covers claims up to £20,000 on any car you use.
That extra cover will give you the confidence to drive any vehicle, with the owner’s permission, at any time.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Goods in Transit
Goods in Transit Insurance
Goods in transit insurance is designed to cover anyone who uses their vehicle for transporting goods professionally, whether they’re documents, materials, or packages.
Whether you work as a courier, delivery driver, or in the haulage industry, having the right cover for your cargo, whatever it is, can make the world of difference, and save you money and a headache, if something bad should happen.
To find out more about how you can get insurance for transporting goods, and what’s covered, speak to our team today.
Public Liability
Public Liability Car Insurance
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Tools
Tools In Transit Insurance
For just a year, you could claim for damage, loss, or theft of tools up to £5,000 whilst they’re being driven in your van, loaded or unloaded, or stored in your van over night.
There’s no denying that the tools of your trade are vital to your business, so you need to know that if they’re lost or damaged that you can afford to replace them and get back to work as soon as possible.
With a low £100 excess for each claim, and cover for theft, loss, or damage, you can be confident that even if the worst happens, we’ll help you to get new tools and get back on the job quickly.
Get a Ford Ranger Insurance Quote
Why choose Adrian Flux for Ford Ranger insurance?
We specialise in niche motor markets, including pick up trucks. Whichever Ford Ranger you own, you’ll want cover to suit your personal needs.
There are many optional extras available with our bespoke cover. Here are just a few:
- Free legal cover up to £100,000
- Laid-up cover for restoration projects
- Limited mileage deals
- Discounts of up to 15% for owners club and forum members
- Cover for modified cars
- Up to 90 days’ cover in the EU or further afield
Will insurance cover materials carried in my pick up?
In short, the answer is no. If you work as a courier or delivery driver, in haulage, or if you transport work equipment as part of your job, you will need an extra benefit such as goods in transit insurance. Otherwise, your materials will not be covered by your pick up insurance.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Why choose Adrian Flux for Ford Ranger insurance?
There are some ways in which you can save money on your Ford Ranger pick up insurance premium. Here are a few ways you can keep the costs down:
- Ring a specialist such as Adrian Flux
- Limit your annual mileage
- Add voluntary excess
- Pay annually rather than monthly
- Add extra drivers
- Get a quote in advance, rather than leaving it to the last minute
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FAQs
Can I insure more than one pick up truck under the same van insurance policy?
There are a few reasons to insure all your vehicles with one insurance broker. There may be discounts for multi vehicle policies available but, above all else, it’s very convenient. You only need to give all your personal details once, and then simply add more vehicles.
Can I use my no-claims discount on my van insurance?
Yes, you will be able to use your no claims discount on your van insurance. This is a fantastic way to reduce the cost of your premium, as it shows that you are considered a safe driver. The more years you tot up, the better it will be.
Can I get insurance for my Ford Ranger?
With 50’ experience arranging cover for vans and pick up truck insurance, we can find a great deal for your Ford Ranger.