Insurance for Van Drivers
If you're a white van man (or woman!) then you will need specialist van insurance. Van insurance covers vans for commercial and private use so long as it weighs less than 3.5 tonnes.
Weight Matters
One of the main considerations an insurance company will take into account when calculating the premiums for van drivers is the size of the vehicle, its value and cost of repairing any damage. Where all things are equal, the larger the vehicle, the more you will pay for van insurance.
Goods-carrying vans are rated either on their plated weight (unladen weight plus carrying capacity) or just on their carrying capacity.
Location Matters
Insurers will also look at where you are located and where you do the majority of your driving. Expect to pay more if you are based in an inner city location. This is because more accidents occur in towns and cities than in more rural locations.
Your insurance will also differ depending on how you use your van. Carriage of own goods or social and domestic will be cheaper than commercial use such as haulage.
Do You need Tool Cover?
When searching for van insurance don't just look at price also compare benefits. If you a tradesman and carry tools then look out for insurers who offer tool cover, this means that all you will be covered if they were to be stolen from your van.
Shop Around
The price of van insurance does vary so make sure you look at both specialist firms as well as the larger vendors.
Featured Van Insurance Companies:
Hastings Direct Van Insurance - Cheap online quotes for van insurance policies
Quoteline Direct Van Insurance - Knock at least 10% off your current van insurance premium
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This site is for information only and cannot offer insurance advice for your particular situation.
Consult with an FSA authorised insurance advisor if unsure on any topics related to car insurance.
