01 Mar 2019
Posted by Barry Aldworth 
When you’re on the road most of the day, it can be difficult to find time to shop around for your van insurance. However, failing to do so could mean that you’re paying more for cover than you need to. So what should you be thinking about when it comes to your van insurance cover and could you be saving money by shopping around?
Understandably you may loathe the thought of doing so again, especially given that very few providers have the option of generating a van insurance quote on-line. However as with most things shopping around can really pay off.
5 Top Tips when shopping around for van insurance:
- Be Honest About Your Occupation: One of the major factors when insuring your van is your occupation. Most insurers will cover tradespeople like builders, plumbers and carpenters. Occupations such as couriers and delivery drivers have a much more limited range of insurers to choose from. If you use your van for Social, Domestic and Pleasure only it’s important to ask for this cover when getting a quote as normally, van insurance is for people using their vehicle for work. Regardless of your occupation customers should contact a broker who can do your shopping for you – more often than not they will be able to find a policy that meets your needs.
- Think about extra cover for your tools. Most van insurers won’t actually cover the cost of your tools if they are damaged, lost or stolen. Always check your policy to see where you stand as regards your van contents.
- Take extra measures to keep your van safe. Are there extra security features you can introduce such as accredited anti-theft devices? Can you park your van in a locked garage at night? Check with your short list of providers to find out how such measures will impact your premiums.
- Give thought to who really needs to be insured on your van. Having a policy that will cover any driver to drive your van can be a costly thing. Try and keep the number of drivers on the policy to a practical minimum. Drivers under the age of 25 in particular are likely to ramp up your premium so bear this in mind before you begin your shop around.
- Don’t assume that you’re covered to drive other vans. Make sure to ask your broker whether you are covered to drive other vans when getting a quote.
