Van Insurance

How much Van Insurance do I need?

The cost of your van insurance will reflect the level you choose.

Which Level of Cover?

There are three levels of van insurance - see What is Covered? for more information about Comprehensive, Third party fire and theft and Third Party only (TPO) policies. Each type of insurance type covers different levels and different packages of risk.

When speaking to your Insurance Broker of getting an online quote it will help to know your general business requirements and be able to balance - commercial needs and budgets. This way should a collision or loss occur you know your business need not suffer unduly.

Decide on how important the following benefits are to you, get quotes from several insurers, and then compare quotes for the best price.

• Legal and liability costs
• Legal protection
• New for old replacement or repair
• Comprehensive accident assistance
• Accident hire vehicle
• Breakdown recovery
• Courtesy van
• New for old replacement
• Key cover
• Goods in transit and tools cover
• Personal belongings cover
• Stereo cover
• 24-hour helpline
• No claims discount
• Online discount
• Low excess
• No Claims Bonus Protection

Optional extras:

• Driver death benefit
• Get to your destination benefit
• Window and windscreen repairs

How to get cheaper van insurance

• Go for smaller vans - the smallest weight and engine size possible for your purposes. Larger engine capacity is viewed as a hazard.
• Invest in anti-theft devices such as immobilisers and alarms. Most new vans have these as standard. Aftermarket 'Thatcham' approved systems are more likely to earn additional discounts.
• Keep vehicles in a locked garage or off the road.
• The older the driver, the more experienced, therefore the lower the premium - drivers over 25 and under 65 tend to be cheaper to insure
• Increase the voluntary excess payable, ie, the amount of money you agree to pay out in the event of a claim. The higher the excess, the cheaper the quote.
• Don't store tools in your vehicle
• If you can, transfer your car's no claims bonus to your van
• Limit what you use the van for, eg, no hazardous or toxic materials
• An 'any driver' policy costs more, so limit drivers to save money
• Put signage on your van(s) to reduce the risk of theft
• Declare no claims bonus
• Locate your business outside of urban and high crime areas.
• Never leave ignition keys in your van
• Driver history - previous convictions will increase your premium
• Discounts for low mileage
• Buy online - you can save up to 10% on the premium