What is Van Insurance?
Van insurance is a policy that is designed to insure drivers who use vans for business, commercial or personal reasons.
Whether you use your pickup or transit van as a run-around or use a tipper for your own business purposes, you must protect yourself in the event of an accident.
It is important to note that vans are not covered under your typcial car insurance policy so it is important to make sure you are protected on the roads, especially if you are using your vehicle for commercial or business use.
How does Van Insurance work?
Despite being similar to any other vehicle policy, van insurance has a lot of flexibility. You can choose from three types of van insurance cover and the amount of excess you want on your van. Although if you own multiple vans, you can insure them all with us under our multi car scheme. This can save you money, thanks to the multi vehicle discount, but also the time saved only having to worry about one renewal date with the same insurer. Save money and hassle with this policy.
Third-party only: As the legal minimum level of cover required, Third party provides you with the least amount of protection. But an accident occurs and you’re at fault, your insurance would cover the damages to the other driver’s car. However, it will not cover the repair cost of your van or any potential medical bills.
Third-party, fire and theft: This cover includes everything that TPO has but it has the bonus of protecting your van if it gets stolen or has fire damage.
Comprehensive: In terms of protection, this cover has it all. If you are involved in an accident, comprehensive van insurance will cover both any damage done to you or your van, as well as the other person involved. By name and by nature, this is the most comprehensive level of cover you can get in the UK. Althought it is likely to be more expensive than the other levels of cover, it does provide you with unparalleled protection on the roads.
This also applies if you are looking for a modified van insurance qutote.
Which type of cover is right for you?
In addition to the above-mentioned cover types, as a van driver you’ll need to specify how you’ll use your van, so our team can ensure you’re protected under the right cover.
Social, domestic and pleasure
If you’re only planning on using your van for social journeys and not for commuting purposes, a social, domestic and pleasure policy will cover you. This is suited to people who only use their vans for fishing trips, surfing and other leisure activities for instance.
This is ideal for people who want to combine social and work journeys. You’ll be covered to travel to and from work and also all your leisure activities.
Haulage
If you’re a courier, van remover or transporter of any kind of goods then you need to choose this type of cover for your van. This type of cover is particularly suitable for people transporting third party goods.
Goods and Tools
If your van is stocked with your tools then you may want to think about opting for our Goods and Tools policy upgrade. The upgraded policy will protect the contents registered within your van. For example, this will help you if your tools or van get stolen or damaged.
Whatever policy and level of cover you decide is right for you, be sure to have details about your van, personal details (and details of any additional drivers) and where you intend to keep your vehicle. This could be in a locked carpark, a garage or on the street. These are all important details that insurers will need to analyse before giving you a van insurance quote.
What we’ll need from you!
Our insurance panel has access to the UK’s top insurance provider, so all you’ll need to do is go through for van insurance. Here are four things you’ll need to have close to you when you’re trying to get cheaper car insurance quotes.
Have your personal details ready for your quote journey. This includes, your name, address, date of birth, occupation and your drivers license number.
The next step is to tell us about your van. This includes, it’s previous owners (if applicable), the model, make, year and any modifications.
After all those steps are complete, you’ll get your quote. Now, it’s up to you, to choose which quote you want.
If you require any further assistance or you’d rather have someone talk you through your options because your quote is too high. Please reach out to our team, 0333 222 4005.
How to get cheap van insurance
Whether you’re trying to save money on your van insurance, so you can invest more into your business or you like saving money in general. We’ve devised 5 ways that will help you slash the price of your premium. With this method, you’ll be able to put the money you’ve saved to good use.
- Pay annually:
As one of the most common ways to save money, it often gets overlooked. You could be saving hundreds if you pay annually instead of monthly because the interest from lenders is removed. If your renewal is coming up or you want to switch, we suggest you get as many quotes as you can. The easiest way to do this will be through a comparison site such as Compare the Market or Confused. This way, you’ll have a good idea as to how much a premium may cost you.
Tighten up your car’s security:
Adding trackers or immobilisers will lower your premium because insurers will see your van as less of a liability to protect. Additionally, it’ll allow you to easily track it if it ever gets stolen. These security measures will therefore help to reduce your premium and some insurers even require the installation of these devices before they’ll offer a price for your insurance.
- Travel less miles:
Travelling less on the road lets insurers know that you’re less of a risk. However, do not underestimate your mileage. Otherwise, you could face a fine or your policy may be invalidated.
- Build your NCB:
Building your NCB up will let insurers know that you are a safe driver! A No Claims Discount is something you gain overtime when you don’t make a claim. This can lead to discounted prices as an insurer will see that you are a safe driver and will likely offer you a lower annual premium.
Think about the type of cover you need:
When you’re picking insurance cover for your van, you need to think differently to if you were insuring your car. Do you operate business from your van? Do you have high value tools in your van? How often do you use your van? All these questions and more play a huge role in the price of your premium.
For example, the size of the engine and model of van will both impact how much you will have to pay for your insurance. In addition, as a general rule vehicles with a smaller engine size will be cheaper to insure.
Although we are still able to provide cheap van insurance quotes for young drivers, it will likely be more costly being inexperienced on the roads compared to people with a higher no claims bonus.
Why Quote Detective for your Van insurance?
As a leading UK specialist for non-standard motor insurance, we understand the unique needs that van drivers have. That’s why we work closely with large insurance providers and specialist brokers to ensure we provide affordable van insurance premiums. Whether you’re using your van for social or business reasons, our insurance panel has the capabilities to find you the cover you need.
Need to contact us?
Our friendly team is ready to help you with anything you need:
Monday – Friday : 8:30am to 7:00pm
Saturday : 9:00am to 2:00pm
Sunday and Bank Holidays: Closed
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