If you have purchased a new van as a replacement or a van as part of your new business, you will need to get it insured. Van insurance is crucial for you because you will be using it for business and that means that there are many other aspects related to van insurance that you have to consider. Follow this guide and ensure that you find the cheapest possible van insurance quote at QuoteRadar.
Always provide accurate information
When you provide details about your vehicle, it is important that you provide details that are true and accurate. This will enable you to receive quotes that are accurate and relevant to your specific vehicle and needs.
Compare prices online
Of course, the best way to find the cheapest van insurance is to compare prices. The whole process of finding insurance is now easier than ever before and that means that you can save money and time.
When you compare prices online, you will be able to tailor the cover to fit your specific needs and also play around with extras and the excess. You won’t have to phone around insurers to get prices and that means that you really can find the quote you want in just a matter of minutes.
Choose the right cover
The cover you choose will depend on the value of your vehicle, where it will be used and how it will be used. Therefore, you could opt to have:
Fire and Theft – This will cover you if your van is stolen or fire damaged. It will not cover you in the event of an accident.
Goods in Transit – This is designed to provide cover for those instances where you might have your tools or other goods stolen or damaged while in transit.
Breakdown and Replacement Cover – If you are using your van for business then this is a useful type of cover that is designed to get you back up and running if your van is off the road.
Fleet Cover – If you have a number of vans then you could save money by having fleet cover as it will cover multiple vehicles.
Is your business advertised on your van?
Many people choose to have a sign added to their van to advertise their business name as well as contact details. If your van has this, then it could mean that it is less likely to be stolen and that could help to reduce your costs.
Provide the right mileage
Depending on the work that you do, your mileage might differ considerably but you should do all you can to provide the right mileage. This can have an impact on how much you pay. If you overestimate then you could pay more but if you underestimate then you could find that your policy becomes void when it comes to making a claim.
Are you a member of a trade body?
If you are a tradesman looking for insurance and you are a member of a recognised trade body such as the Federation of Master Builders or Gas Safe then it is worth informing insurers. There are some insurers out there who will offer discounts to members of these organisations so be sure to mention it.
Increase the security of your van
This is a simple thing to do but the more secure your van is, the less likely it is to be stolen. There are many ways that you can increase the security, all of which could reduce your insurance prices Things such as adding an immobiliser or an alarm could drive your prices down.
Whatever happens, you have to ensure that you are adequately covered and that you have insurance. If you are caught without it then the fines can be significant.