Whether you’re transporting concrete blocks and bricks to build a house, escorting a huge brood of children on the school run, or just have an overwhelming longing to drive a large vehicle, the first thing you’ll require following the acquisition of the van, is van insurance. And like anyone striving to insure their vehicle, you’ll want to find the cheapest vehicle insurance policy that covers all your needs. Commonly, the renewal cost with your current insurer is severely exaggerated, which is why so many people are now discovering online comparison sites to unearth cheap van insurance.
Using the internet to find an insurance aggregator site is by far the most efficient and least time-consuming means of comparing the predominant van insurers and the quotes they provide. What’s more, it also saves the brain engagement of struggling to physically remember every quote you receive yourself instead of showing them in one concise list of results.
Of course, all van insurance quotes stem from a number of factors when setting the cost of your premium. And there are a number of ways that can ensure your policy is lowered. We detail the best selection of these below.
1) Safe overnight storage – By being able to supply a secured garage to park your van in, you reduce the ease with which thieves can break it into, as opposed to sitting on a driveway. However, storing the van off a public road and on your driveway will be safer and lower your policy. It minimizes the chance of the vehicle being hit by other road users or again being broken into.
2) Take out valuables – Store valuable tools and items in your van overnight will provoke theft, particularly if they are in view through a window. Removing anything of value each night will assist in decreasing your premium.
3) Anti-theft devices – Such gadgets go a long way in stopping any valuables or the whole vehicle from being stolen, and insurers recognize and reward this. So fitting something such as an additional alarm with the factory-fitted one or an aftermarket immobilizer will decrease both your van insurance quotes and the chance of your valuables being taken. The initial cost of purchasing these will more than repay itself over every policy you hold with them, with the money you save.
4) Vehicle group – Every vehicle on (and off) the road is placed into an insurance category by insurers. What group they are placed in factors in how much it would cost to repair the vehicle should it break down, its passenger capacity, its top speed, etc. Subsequently, the less these are, the lower the group of insurance the van will be placed into. And the lower the group, the cheaper it will be to insure.
5) The type of cover – Both van and car insurance are available in three varieties:
- Third-Party Only
- Third-Party Fire & Theft
- Fully Comprehensive
Third-Party Only is the least expensive but provides the most basic level of cover, supplying payment for other people in an accident, but not your own vehicle. Advancing up to Fire & Theft covers standard Third Party, but also covers, as it says on the tin, fire damage and theft of your vehicle. Finally, the most expensive but most popular choice of cover is Fully Comprehensive, covering all of the previous but also adding protection for the loss of your vehicle, accident damage, and vandalism.
By considering these five recommendations and factoring in as many as you can by the time you renew or purchase your van insurance, you’ll go far in lowering your van insurance quotes. Implementing even at least one of these will knock money off your policy prices, so you should constantly strive to accomplish one of the above aspects in order to return cheap van insurance quotes from your comparison website of choice.