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There are a few differences between van insurance and car insurance policies and as such it is worth investigating these when comparing the market for the best deal. Vans differ considerably in size and purpose, and when you compare van insurance knowing the type and length of cover you need for your lifestyle it could help save you money in the long term.
The most basic level of cover, this type of policy will pay out if you damage another person’s vehicle or property but will not cover any repairs you need to make to your own vehicle.
This type of policy will give you basic third party cover, as well as cover against theft, damage done during attempted theft, and fire damage.
Fully comprehensive policies are the highest level of cover available and, depending on the particular policy, will cover you for more or less anything. It’s important that you read the small print for each policy.
You will be offered an insurance policy depending on the type of van you own, there are car-derived vans, micro vans, small/light vans, medium/panel vans and large vans.
Just as with car insurance groups, prices for cover will vary depending on your van's category. Knowing which category your van fits is vital in obtaining the right level of cover.
If you are in the process of purchasing a van check out the premiums for the different vans you are considering. For example, if you need the van for only small deliveries opt for a vehicle which can carry just that as the insurance will be cheaper than a larger one.
Also if you already own another vehicle then be sure to mention this to the policy provider as most include a replacement vehicle service and this could reduce you payments if you do not require it.
Where you live affects insurance premiums so if you have recently moved house or business premises take the time to investigate the market rate for van insurance in that new area. Additionally, your premium should reduce with experience and as you get older, you may find a different policy provider will focus on insurance especially for this group which may be more beneficial for you at a different time in your life.
The cheapest deals are not always the best so make sure you look past the price and understand exactly what the insurance is covering and if you should have an accident whether it would be enough or if you are prepared to take the risk. Be sure to compare the excess you will be required to pay when claiming as these can be quite pricey especially if the insurance is cheap.
Discounts are available on different policies. These can be acquired if you apply online with the same insurers or by adding extra security features to your van to make it safer on the road. Most insurers also provide a reduced rate for additional driving training such as motorway tests or lessens, or specific van driving training.