Size does matter when it comes to getting a van insured. The large the engine size the more insurance the premiums will be. There are a number of things you can do to reduce the annual insurance premiums on your van.
1. Ask the insurance company to increase the voluntary excess. All insurance have a voluntary excess applied to them. By asking to increase this amount the insurance premiums will become lower. By reducing the excess should you be involved in an accident caused by you, you will have to pay more however; if the accident is deemed 'non-fault' by the insurers you can sometimes be reimbursed for the excess you have paid. Discuss this option with the insurance company to see whether you take this option to lower the premium.
2. No Claims Discounts should be declared. The more proven years of claims free driving you have the large the discounts will be. It is possible to transfer no claims discounts earned on cars to a Van Insurance, shop around to get the highest discounts you can. Protecting your no claims discounts may also be offered by the insurers. This enables you to make a certain number of claims before losing the discount. Protecting your no claims will mean higher premiums.
3. Towing a trailer to carry goods or machinery in order to carry out work is an essential necessity for some van drivers. Many insurance companies will offer cover for trailers as inclusive with the policy, others do not. Cover for trailers are sometimes only available as an optional extra. The important thing to remember if you do tow a trailer or machinery is to ensure it does not exceed the legal weight limits. If it does and you need to make an insurance claims you may find that you have breached the terms and conditions of the policy and may not receive any payment.
4. Insurance companies will look favourably on drivers who take security of both their van and its contents seriously! Reducing the risks by keeping the van in a locked garage when not in use and installing alarms or immobilisers will enable the insurers to offer you discounts. If you do one or more of these tell the insurers!
5. The amount of mileage you do will affect the premiums. Lower annual mileage may offer lower insurance costs.
Irrespective of which van insurance company you opt for terms and conditions will be applied to the policy. Each insurer will have their own criteria, so it is wise to read them carefully to make sure you have the correct type of cover to suit your personal and/or business needs.
Likewise what is included in a comprehensive policy will also vary between insurers. Look out for those which have inclusive deals for things like legal expenses, breakdown cover or short duration European cover.
To further help reduce Van Insurance premiums it is worth telling insurance companies that you are shopping around. Many will offer to match like for like quotations you receive from their competitors.
Staveley Head provides Van Insurance at affordable rates and amazing discounts for van owners in the UK.
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