Van insurance is a type of policy that’s designed to ensure 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 business purposes, you must protect yourself against any damage or theft.
How does Van Insurance work?
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. If you own multiple vans, you can insure them into one policy with us. This saves you doing extra paperwork and puts your time back into your business.
Third-party only: As the legal minimum of cover required it provides you with the least amount of protection. If 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 your van is extremely important to your day to day life, we recommend you opt for comprehensive cover. Fully comprehensive covers damages to your van and the other drivers, fully. As the more feature-packed insurance cover, we recommend it because it’ll give you peace of mind.
Which type of cover is right for you?
Choosing which type of cover you want is up to you. The legal requirement is TPO but we suggest opting for comprehensive because of the level of protection it can give 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.
If you’re only planning on using your van for social journeys and not commuting, we suggest choosing this option. This will be perfect for people who only use their vans for fishing trips, surfing and other leisure activities.
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.
Tradesmen such as plumbers, builders and carpenters who use their van for business purposes, will need to get this policy. This cover will also suit people who have to travel to and from multiple work locations.
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. This will help you if your tools or van get stolen or damaged.
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.
What type of cover do you think you’ll need? Think carefully on how you’ll be using your van. Tell us your annual mileage and whether you’d like TPO, TPFT or comprehensive cover. Also if you use your van for business, think about the additional cover you’d need.
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 save money on 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.
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. This way, you’ll be able to estimate how much you’ll have to save to pay annually.
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.
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 can be invalidated
Build your NCB:
Building your NCB up let’s insurers know that you’re a safe driver! Drive carefully and build multiple years without making a claim and you’ll get a discount on your insurance.
Think about the type of cover you need:
When you’re picking insurance cover for your van, you need to think differently than car insurance. 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.
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:
Statically, insurance for young drivers is at an all-time high. But we believe your insurance shouldn’t break your bank just because you’re young. That’s why we’ve dedicated ourselves to creating a flexible and affordable policy for young drivers.