Van insurance tips
Here is a list of the top tips you should know when searching for cheap van insurance quotes:
- If you can avoid claiming on your insurance you can grow your no claims bonus, which could year by year save you money on your van insurance until you reach the maximum discount. Some insurers may match your car insurance no claims bonus when quoting for van insurance, so don’t forget to enter it along with your other details.
- As vans are often more heavily used from day to day than cars, they face a greater chance of breaking down. Although it may be more expensive to insure against breakdown, the extra cost may be worthwhile if it means being back on the road quickly. Also check if the policy includes a replacement vehicle which you could use if your van is out of action.
- If you haven’t bought your van yet, it’s worth looking for the smallest model that would serve your purposes. Generally vans with a lower weight class, engine size and overall value will be cheaper to insure.
- It may seem obvious, but if you will be using the van for work purposes make sure you have insurance cover for business use, as there is an option to insure for social use only.
- Look into quotes for different levels of insurance cover – with Tesco Compare van insurance you can choose which level of cover you would like to see quotes for, and decide which best meets your needs.
- If you will be storing tools and/or goods in the van it’s a good idea to make sure this is covered under your van insurance policy, as you may have to take out a separate insurance policy for theft from your van.
- The details of the driver(s) to be insured could have a big impact on the cost. Some of the most obvious reasons for high van insurance costs would be previous convictions and claims, as well as drivers who are under the age of 25 or have little driving experience. Always make sure you disclose all the information required about the driver, as the insurer could refuse to pay out on a claim if they find that information is missing or misleading.
- If you don’t already have an alarm and immobiliser fitted to the van, look into having this done. Although not all van insurance providers will offer a reduced price for having these they should still help deter theft, which will mean you avoid claiming and the added expense that this entails.
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