Van Insurance
Van Insurance
Van insurance, sometimes called Commercial Vehicle Insurance or Commercial Van Insurance, permits the policy holder to drive a van up to 3.5tonnes on UK and EU member states highways, it is a legal requirement to have valid van insurance cover to enable you to drive a van on public roads.
Whether you’re self employed or a large company, if vans are vital to your business then you need a reliable van insurance policy that you can be confident of.
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Whichever kind of vehicle you use, pick ups, small vans, or Transit vans, you need to make sure that you have sufficient van insurance to cover your vehicles & make sure they are properly insured in case something goes wrong – otherwise your business could suffer.
For this reason your van insurance policy really needs to include van replacement in case your van is unusable, vehicle breakdown and legal expenses, and you might also want to consider insuring goods or tools in your van insurance policy.
If you are going to be buying a new van, then checking several different makes & sizes in different insurance groups can be a good idea to compare prices.
Although this sounds like a lot to consider van insurance doesn’t need to be expensive, there are ways to save money on your van insurance without compromising on the level of cover.
Part of the cost of your van insurance will come down to what you keep in your van and where you park the van, so if you can park your van in a secure place overnight and install security features then you can reduce your van insurance premiums. If you can remove tools from your van overnight then this can reduce van insurance premiums further.
Buying van insurance online can save you both time and money since online insurers have lower overheads resulting in lower insurance premiums, and there are also van insurance comparison sites that make choosing the best value deal much easier, reducing the time & effort it takes to find the right van insurance.
Choosing the right van insurance comes down to balancing the cost against the level of cover, you want to be sure that your business doesn’t suffer if the worst happens.
There are many different options available as part of van insurance policies, you might want to consider things like:
• 24 hour Roadside Assistance
• Claims Lines & Emergency Helplines
• Windscreen Repair
• Repairer Networks
• Legal Expenses Cover
Before you take out any van insurance policy you might also want to consider the following question: Is this your first Van Insurance?
If you haven’t got any no claims bonus try shopping around for special offers.
How much excess charge do you want to pay?
By agreeing to pay the first £100 or £150 instead of the first £50 you can reduce your van insurance premiums.
Can you restrict van insurance cover to named drivers only?
Taking out van insurance for named drivers only (as long as they have made no claims recently) can reduce your van insurance premiums.
Do you need all of the cover included in your van insurance?
Different companies offer different incentives, but they can mean more expensive van insurance & you might not need them.
Can you secure the vehicle over night?
You can significantly reduce the cost of your van insurance if you can.
Do you have enough cover?
Make sure you are covering yourself enough in case you need to use the insurance!
TIPS TO CHEAPER VAN INSURANCE
Choose the smallest weight vehicle that you can get away with, since small van insurance can be cheaper van insurance!
Fit the van with alarms and an immobiliser to reduce your van insurance premium.
Some van insurance companies will apply discounts if you can show proof of driving other company vehicles.
Some van insurance companies will mirror your No Claims Bonus from your car onto your van, so always declare it if you have any.
We hope that you have found this short introduction to van insurance useful, there are more topics related to van insurance below.
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