Get cheap van insurance now

Drive a commercial vehicle? Then you will need cheap van insurance. There are dozens of insurance firms that offer van insurance and thousands of brokers promising cheap van insurance, but with the cost of cover rising, how do you know you are getting a great deal?

How to find cheap van insurance quotes

You could just call around all of these van insurance providers, in the hunt for a cheap van insurance quote, or you could do what many people prefer these days – use a price comparison site.

A quick look on the internet will provide you with dozens of websites where you can compare van insurance, such as http://www.vancompare.com to name one of many.

Speaking to an online broker will not only help you to save money on cheap van insurance, but also a lot of time and hassle too.

Things you need to know about van insurance quotes

The way insurance of all kinds is calculated can be confusing, and van insurance is no different. Rather than pull your hair out, follow our quick and easy guide to cheap van insurance…

Van insurance groups

Van insurance companies place commercial vehicles into groups. Just like the rating scheme that is used for cars, van makes and models are split up into groups; the lower the group, the more likely you will enjoy cheap van insurance. The higher the group, the more risk is associated with that vehicle, so the greater the cost for cover.

Vans are placed into groups depending on a number of factors, including:

• How the other drivers of a van behave. If you purchase a van that is chosen by ‘boy racer’ type van owners, then the chances are your insurance will be high as they are likely to be involved in more accidents.
• How much it costs to repair the van. If after an accident the parts are easy to find and cost little, then the van insurance quotes will be cheaper.

Van insurance types

There are three types of cover available to owners and drivers of commercial vehicles. When seeking cheap van insurance you will need to consider the degree of cover you want.

• Third Party Only van insurance offers the least amount of cover but will cost less. It will provide payment for other people involved in an accident but not for your vehicle.
• Third Party Fire and Theft also covers fire damage and theft of your vehicle.
• Comprehensive cover has both of the above built into it and also covers the loss of your commercial vehicle and damage caused to it in an accident, theft or due to vandalism.

Help ensure you get cheap van insurance quotes

There are a number of ways you can make it easier to find cheap van insurance, including:

1. Increasing the security on your van or buying one with high security features. The greater the level of security, the more likely you will be offered cheap van insurance. High quality locks, an approved alarm and an immobiliser are all things you should consider.

2. Choosing a van that suits your circumstances. By picking a commercial vehicle that is suited to your needs you will not be paying for unnecessary cover. If you run a catering company that only has to deliver sandwiches each day then a Luton van will bring extra van insurance costs for no gain.

3. Shortlist a few vehicles that you like and speak to a van insurance broker about each one. Even though they may be the same price, size and power, the amount your quotes vary by can be huge. Pick one that comes with cheap van insurance as over the years, the savings will soon add up.

Hopefully this guide to cheap van insurance helps you secure the right cover at the right price.