Get The Best Van Insurance Online Quote
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We can help you find the cheapest van insurance quote for your particular needs and save you time and money. Instead of contacting a number of insurance companies and supplying all of your details every time, all you need to do is supply your details to us once and we will do all the work for you, finding the cheapest van insurance online quote for your requirements.
Please bear in mind that there are several factors that will have an impact on your van insurance. Firstly, as a general rule, the cost of your van insurance will increase with the size of your van; the larger the van, the more you will have to pay. For insurance purposes, vans are classified as goods-carrying vehicles and are rated for their carrying capacity. The unladen weight may also be taken into account. The type of van (micro van, long wheel base van, extra long wheel base van, etc) will have consequences for the cost of parts and repairs (as well as the costs of a brand new replacement) and hence for your van insurance costs.
Your personal circumstances will also be taken into account when calculating your van insurance quote online. By personal circumstances, we mean factors such as age and gender, the area where you live, whether you have made any claims before or have previous convictions. If you have points on your license for dangerous driving, the cost of your van insurance is likely to be more expensive.
The area where you live, as defined by your post code, will also be a factor in the cost of your van insurance quote online. If you live in an area with a high crime rate, your van insurance is likely to be higher than someone whose post code is noted for a low crime rate. Your age and gender will also have consequences for the cost of your van insurance. Statistics show that the majority of road traffic accidents involve young drivers and also elderly drivers, which means that the cost of your van insurance will be more expensive if you fall into these groups. Women however are statistically less likely to be involved in a road traffic accident and so, other factors being equal, women van owners will pay less for their van insurance. Putting these factors together, it means that we could see a significant difference in van insurance costs between a middle-aged woman running her own business from a Cornish hideaway and - in contrast - a young male trying to do the same in Barking or Dagenham.
How you use your van will also have consequences for your insurance. If you use your van purely for private use, such as commuting to work or taking the family on shopping trips - in other words, using your van rather than a car as your main means of transport - then the van insurance you require is a Social, Domestic and Pleasure only van insurance policy (Domestic van insurance, for short). You then need to consider whether you want a Third Party Only policy, a Third Party Fire and Theft policy, or a Fully Comprehensive insurance policy.
If you use your van for commercial or business purposes, there are two further options that apply. A “Carriage of Own Goods” policy applies to van owners who transport the tools of their trade, such as builders and plumbers. A “haulage” policy applies to couriers and anyone using their van to carry goods on someone else’s behalf and receiving payment for their services.