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 van cover than you need to. So what should you be thinking about when it comes to your purchasing van insurance in Ireland 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 online. However as with most things shopping around can really pay off.
4 Top Tips when Shopping Around for Van Insurance
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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.
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Private Vs. Commercial Van Insurance
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.
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Take Extra Measures to Keep Your Van Safe
Are there extra security features you can introduce such as accredited anti-theft devices? Doing so will reduce the risk of your van being stolen, helping you to avoid work delays, while also ensuring your No Claims Bonus isn’t affected. Check with your short list of providers to find out how such measures will impact your premiums.
Beyond the safety features of your van, it can be a good idea to get into the habit of taking additional steps when your van is not in use to help keep it safe. From keeping your van locked to hiding your valuables, there are many steps you can take to
keep your van safe all year round.
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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.
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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
van insurance quote. It’s also a good idea to compare what is and isn’t covered by any policy you consider buying to ensure that your cover meets your needs.
