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What do I need to compare van insurance policies online?
When running a van insurance price comparison, be sure to have the following to hand:
Exact details of your van
This includes knowing the make and model of your vehicle.
Get this wrong and your van insurance quote won't be accurate. You should also know of any modifications that have been made to your van.
Details of past insurance policy
You'll need to know the details of the previous policy you had for your van, including all information relating to claims.
If you have a no claims bonus on your van, don't be shy about it – it will mean a cheaper van quote!
You'll need to disclose any past driving convictions, unfortunately.
That includes everything from speeding penalties to more serious driving offences. Don't lie on this just to get a cheaper van insurance quote – it will cost you more down the line.
How can I get a cheaper van insurance quote?
The easiest way to get a cheap van insurance policy? Run a price comparison quote.
Shopping around for the best price on your van cover can save you a lot of money.
In particular, run a van insurance price comparison when your policy comes up for autorenewal. The auto-renewal rip off is the oldest trick in the book.
Don't accept the price you are given – look for a new van quote instead.
There are also several other ways you can cut down the costs of your policy.
First, being a careful driver helps. But more importantly, letting your new insurance provider know.
Not having previously been in an accident sends a strong message to insurers that you aren't a risk and therefore should pay less for your van insurance policy.
So, make sure you provide proof of your no claims bonus.
Another neat way to lower the cost of your van's policy is to pay voluntary excess.
This means that in the event of a claim against you, you must pay some money upfront.
Finally, if you really want budget van insurance, make sure your van is safe and secure – both the vehicle itself and the contents inside.
Ensure you have the most up to date anti-theft technology. Advertise that you use smart water to mark your tools (thereby reducing the ability of thieves to resell them).
All of this should put you in good stead with insurance providers, meaning your insurance premiums could come down in price.
Cheap van insurance for over 25s
As with cars, insuring yourself to drive a van can cost more if you're a young driver.
If you're under 25, your van insurance is going to cost more. As unfair as that seems, statistically, van drivers between the age of 17 and 24 are more likely to be involved in an accident.
And, unfortunately, there aren't any specialist policies for young van drivers.
However, that is not to say you can't trim down your van insurance costs if you're under 25.
Check out our 11 hacks on lowering the cost of your van insurance.
Which is the best van insurance company to go with ?
When running a quote comparison for your van, deciding which provider to go with is not easy.
It can be hard to judge whether to go with an AXA van insurance policy or a Gladiator insurance policy.
Before you choose a van policy, there are number of important considerations. Most of all though, you should check out how the company responds to claims.
You can do this by checking our own reviews of insurers. To see what other customers are saying about a provider, search for it at the top right of your screen.
Assuming you're using your van for business reasons, how well your insurance provider responds to any claims can have a major effect on your business.
If you go with an insurance company with a reputation for being slow to react to ensure repairs for your vehicle, that can result in a loss of business for yourself.
Likewise, if the company has a reputation for regularly disputing claims, you may want to reconsider taking a policy with them, even if it is the cheapest van insurance policy around.
Which extras should I get with my van insurance policy ?
When choosing the policy for your van, think carefully about what extras you may or may not need.
If your van is for business, be it a trade van, a minibus van or an ice cream van, an accident that takes it off the road can have a major impact on your business and livelihood.
Therefore, you may want to consider getting a courtesy van extra.
In the case of an accident, this will be provided to you by your insurer while your van is being repaired, allowing you to get back on the road and back to business.
Your driving to a job in your van. It breaks down.
Breakdown cover will cover the costs of getting your van back up and running, allowing you to carry on with business.
Breakdown cover is not mandatory, but it can save you a tonne of cash and potential lost business.
Use our breakdown cover comparison tool to get a quote.
Employers' liability insurance
As mentioned, you're probably using your van for a business.
If you employ anyone, this extra is very important. It means you will be covered for any claims made against you by anyone you employ.
If you keep tools in your van, you may want to seriously consider this insurance extra.
If your tools or equipment are stolen from your van, this will cover you.
Not just a price comparison site...
Our mission is to help you save money and fight for you when things go wrong.
We have several van owner guides to help you with all you with all things van and van insurance.
We've got a guide on what to consider when taking out a van insurance policy, covering some of what we've told you here in more depth.
We've also got a helpful guide with 11 tips explaining how to get even cheaper van cover.
At the same time, check out our in-depth guide explaining which type of van you should buy for your business.
If you need to make a complaint about your van insurer – perhaps they've hit you with unexpected charges, or are stalling on paying out on a claim – you can use our free tool to demand action.
We take up many of cases as stories and fight to make your voice heard.