A little preparation can pay off before and after searching for van insurance. So what can drivers bear in mind?

• Not claiming on van insurance for minor damage could preserve a no claims discount or bonus. A no claims discount or bonus could reduce the cost of van insurance over a four to five–year period.
• Give the hard shoulder the cold shoulder: Adding breakdown cover to van insurance can provide some back-up, knowing a vehicle is protected against breakdown. Does the policy include a replacement van if the principle one is out of action?
• Waste not, want not: Why buy a van which is too large and cumbersome for its intended use? Generally, vans with a lower weight class, engine size and overall value can attract lower cost insurance.
• What’s inside? Will tools and/or goods be stored in the van? If so, will they be covered under the van insurance policy?
• The age and history of driver(s) could affect the insurance costs. Van insurance is likely to be more expensive due to previous convictions and the younger the driver is.
• Insurers are more likely to offer cheaper insurance for vans fitted with an alarm and/or an immobiliser. Installing safety devices can reduce the cost of van insurance premiums, according to the Motor Insurance Research Repair Centre, Thatcham.


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