The image of the great British white van man is something that has probably done more to raise van insurance quotes than any crime spree. You instantly picture a boy racer in his baseball cap cutting people up at roundabouts and jumping lanes. It’s because of these images that the prices that have been quoted for even third party insurance lately has been a bit on the silly side.
With bosses putting drivers under ever increasing pressure to perform it’s understandable to see the odd minor infringement. The average professional driver has more to lose by getting points than someone in a private vehicle. So considering this, the idea of a company van undertaking and jumping from lane to lane is not realistic.
The actual number of accidents that involve private vehicles makes them a much riskier mode of transport. There are other reasons why insuring a commercial vehicle is a proverbial pain in the neck. The biggest problem insurers come across is that vans are a magnet for thieves because of their possibilities.
Many companies have tried to combat this by visually stating on their vans that no tools are stored in them. This can have an obvious effect on the chances of you having to make a claim for against your insurance for theft.
The sad thing with all of this is that many an honest man is struggling to make ends meet in today’s economy and could do without increasing costs. You are not given much respite if your van is not for commercial use as the costs are similar to insuring a sports car. Of course there are certain things that will lower the cost of your policy just as they would with a car.
Making sure you garage your vehicle if possible is the obvious move but you should also consider your mileage. If your car is your main transport then having cover for a reduced mileage on your van is a wise move. Be sure to ask when getting a quote for any other way to reduce your van insurance. There are some insurers that offer reductions where others offer only the basics.
You can compare van insurance easily when you know where to look! Finding quotes from providers to conduct a van insurance comparison, will give you the ability to get the best coverage at the best price!
Tags: business insurance, finance, Insurance
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