Below we have outlined the most common questions asked about van insurance. Please click on a question to get the relevant answer.
Do I have to get van insurance? What is a commercial vehicle? Can anyone insure a commercial vehicle? What happens if I don’t have van insurance? What types of van insurance are there? Where can I get van insurance from? Why do the costs of policies vary so much? How do I keep my costs as low as possible? How does a ‘no claims bonus’ work? Am I insured to drive other peoples’ vans?
There are a few steps you can take to drastically lower you the cost of your van insurance. Storing your van in a garage or using a drive way is viewed by the insurance companies as lowering the risk of accident or vandalism. The security of your van will also effect the price of insurance. Tracking devices and electronic wheel locking can drive down the costs of insurance by reducing the risk of theft. Using your van less can also drive down the cost as many insurers will consider mileage when setting the premium.
Paying a higher level of voluntary excess is one of the most effective way to lower your van insurance premium. Agreeing to pay the first £200 rather than £100 of any claim should have a significant effect.
Also consider placing a driving badge on your back bumper. A simple sticker asking people to report on your driving can save you a lot of money.
Only Insurance Ltd is authorised and regulated by the Financial Services Authority, FSA registration number: 313649. Our registered offices are 1 Kings Avenue, Winchmore Hill, London N21 3NA, company number: 05223009. Telephone 0207 377 1805.