Top Ten Tips for Cheaper Van Insurance

van imageIf you are looking to cut the cost of your van insurance; take these ten steps to free-up your finances:

Level of Cover It’s a popular misconception that Third Party Insurance is significantly cheaper than Comprehensive Insurance. In reality there’s often very little difference and in some cases comprehensive cover is actually cheaper. If you don’t believe us get an online quote; we think you’ll be pleasantly surprised.

No Claims It won’t surprise you to read that careful driving allows you to build-up your No Claims Discount (NCD) and make serious savings on your insurance premiums. However, it might surprise you to read that several providers will allow you to transfer any NCD earned on your car to your van insurance policy.

Accuracy Counts When getting an insurance quote; it’s essential to pay attention to detail. Fudge the facts and you could be left out of pocket when it comes to making a claim. Rather than ‘guesstimating’ annual mileage and vehicle value; it’s well-worth spending time doing a little research.

Claims Handling If you need to make a claim it’s important that your business doesn’t grind to a halt. Get things back on track by choosing a reputable broker with a round-the-clock claims handling service.

Van Modifications As a rule of thumb you can expect to pay a premium for pimping your ride, but rules are made to be broken. In fact, some insurers offer discounts for certain modification such as fitting racking or signwriting the side of your van; as always check with your provider before getting creative.

Breakdown Cover Once seen as an ‘extra’ breakdown cover is widely regarded as a ‘basic’; providing cost effective peace of mind and making sure that your business keeps moving.

Improved Security Calculating insurance costs is all about calculating risk and improving your vehicle security will cut premiums. Alarms, immobilisers and trackers all pay rich dividends, but you’ll make the biggest savings with secure overnight parking.

Excessive Excess Choosing a higher level of voluntary excess can mean lower premiums, but it’s important to consider the likelihood of making a claim. If you occasionally drive a small van on quiet country roads you’re less likely to be involved in an accident than a city centre delivery van.

Additional Extras By pulling together a range of benefits into a single policy; van owners can make substantial savings. Additional benefits designed to keep your business on the road range from Public Liability and Legal Expenses to Goods in Transit and Tools in Transit.

Shop Around At Quoteline Direct we do all the hard work so that you don’t have to. With over 45 years’ experience we’ve got access to competitive policies from some of the biggest names in the business and we guarantee to beat your renewal quote by at least 10% (based on like-for-like cover).

To find out more, or to get a quick online quote, visit our van insurance pages or Tel: 0161 874 7710 to speak with a member of our team.

 

 

 


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