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Our top tips to save you money on van insurance


Our top tips to save you money on van insurance

If your insurance premiums are going through the roof, you’re not alone. Research has shown that van drivers now pay twice as much for insurance compared to car owners.

Insuring your van has never been easier, with hundreds of firms fighting for your valuable business. Yet, research shows that van drivers now pay twice as much for insurance as car owners, with the hike in prices being blamed on the government’s increase in Insurance Premium Tax. However, with a little help and a bit of planning, you can dodge the increases and even lower your premiums. Here’s how.


1) Never accept an auto-renew quote

Auto-renew quotes are usually much more expensive and include a fee for the privilege. Instead, add your insurance renewal date to your diary and tell your insurer in advance that you will not be automatically renewing the policy. You can always approach your insurer later with the lowest quote you’ve found and ask them to match it.

2) Shop around

It has never been easier to shop around for insurance, thanks to comparison websites like Confused.com and CompareTheMarket.com. Simply log on, fill in some simple details about you and your vehicle and the site will give quotes from dozens of different insurers. Not only can you compare offers, but you can also assess how much excess they charge and which rates of interest you’ll get if you choose to pay monthly.

3) Use a broker

It can sometimes work to your advantage to have a middle man – a broker in this case. The British Insurance Brokers’ Association is yet another comparison site – but one with a difference. Instead of compiling prices from insurers, they find the nearest brokers to you in order to get the cheapest quote they can.

4) Haggle

It’s all well and good trawling the web and checking the latest prices online, but you’ll get a lot further if you pick up the phone and give the companies with the cheapest quotes a ring. You might well be able to haggle a discount, get free breakdown cover or get a better policy altogether.

5) Improve your van’s security

Making your van more secure is a sure-fire way to lowering your premiums. An alarm, immobiliser, steering wheel lock and a tracker can all lower your insurance costs. You can also make savings by getting security etching (adding your vehicle identification number, also known as a VIN number, onto the windows) and ensuring your vehicle is parked on your driveway or garage overnight. You can also add insurance approved aftermarket locks, which can help to reduce your premium.


6) Ensure that your tools are covered

We can’t over-stress the importance of good contents cover. Sit down and work out how much your tools are worth (you should always be keeping the receipts anyway) and ensure they’re added to the van’s contents insurance. It can be very tempting to accept the cheapest quote and forget about contents cover; however, the misery and cost will be immeasurable if you lose all of your tools and have nothing to replace them with. Read our blog post on tool insurance here.

7) Be careful who you add to the policy

Younger drivers, like an apprentice, will usually push up the cost of the policy. Likewise, a driver with points or a history of irresponsible driving will also increase the cost of insurance. On the other hand, adding an older driver with no history of claims could actually reduce your insurance. However, make sure the policy is in the under the main driver, and any other drivers are just named on the policy otherwise this could invalidate you insurance. Work out who really needs to drive your van and (if you have more than one vehicle) use a specialist insurer to ensure you pay for comprehensive cover to protect both your workforce and your vehicles.

8) Downgrade to a smaller van

The smaller the van the less you pay to insure it. Obviously, no one is going to buy a new van just to save a few pounds on their annual insurance, but think about your van’s usage: Is it empty most of the time? Is it more powerful than you need it to be? Downgrading could give you lower running costs in the long run, so always assess your vehicle’s usage to ensure it fits your needs.

9) Be honest

While all the above tips will help you to save cash on your insurance, it’s best to start off on a good footing by being totally honest about how you plan to keep and use the van. Don’t tell the insurer that your van will be stored on your parents’ leafy driveway, if in reality it will be outside your flat in the centre of town. Likewise, be upfront about your mileage and tell them if any modifications have been made to the vehicle.

Insurers base their quotation on what you tell them and reserve the right to cancel your policy or refuse a claim if you have given false information. What’s more, a cancelled policy may put you in a higher risk category and result in years of higher premiums.

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Paul Randall
Paul Randall
First Class! Dave and the team are fantastic. The fit on our first Mobile Bike Service and Repair Van could not be any better. From the very beginning, through the design process, all the way to completion I cannot fault a single thing. As I write this, our second van is being fitted to exactly the same specification and the third van is on the way. Long may this partnership continue!
Tim Lees
Tim Lees
Very helpful and patient with an older guy who was a bit nervous ordering from a company I didn't know. The product I wanted wasn't on their website but I thought it worth asking and they had it at a good price. It came the next day and worked perfectly.
Richard Shepherd
Richard Shepherd
I highly recommend Lee, Dave and the Team at Vehicle Accessories after they did a fantastic job for a one off bespoke van fit for my business. I approached them with a rather radical high concept idea, Dave did a great job taking notes from my extensive brief. He made a great effort to listen and take notes along the way making sure he understood and made suggestions for materials which really led to a much better end product. A particular highlight was a suggestion for them to fabricate a wall mounted Steal Mesh cage system for my equipment which far exceeded my expectations of quality and engineering. During the planning stage and construction suggestions were made to change materials and systems for what they thought would work better for the project as it developed. The end product was perfect and done to a very high standard, it really turned out better than I ever hoped for. Communication throughout was excellent with regular updates, fast responses and easy dialogue when confirming details or discussing changes. Changes were managed quickly and efficiently throughout the build with a great deal of flexibility and professionalism. Even though I was just having just one bespoke build being done for myself I felt highly valued as a customer and treated with the same level of respect and attentiveness as someone ordering a fleet. The quality of work and customer service will certainly mean I’ll be coming back for my next van project.
Philip Taylor Ashby
Philip Taylor Ashby
Lee and his helpful staff sorted my lock problem that made it easy to break in or steal and at there Christmas closing time🙏, friendly helpful and reasonable thank you all.
Mark Elliott
Mark Elliott
Great choice of equipment to fit and all done efficiently. They have designed and fitted racking to 75 vehicle for us in the last year.
Ross Thomson
Ross Thomson
I can’t recommend Lee and his team of wizards enough. They fitted the gas with all the safety requirements and modified / adapted several parts of the electrics. They went above and beyond my expectations - I won’t hesitate to use them again.
Andrew Young
Andrew Young
What can say.... the order process was simple, prices competitive and when it was realised that I had ordered 2 incompatible parts I got a call to check and recify the order. Collection was easy and the install team did a quick, neat job. Job done....until next time thank you
Annie Meadows
Annie Meadows
Dave, Lee and the team at VA moved crates from my old van to a new one. Easy to communicate with, quick turn around, met all my requests, made good suggestions (such as putting in a waterproof floor) and did an excellent job. Highly recommend.
miles leech
miles leech
Big thanks to Dave and the rest of the Vehicle Accessories team. They've done a great job fitting security locks and a floor in my new van. They also moved over my racking and interior lights from my previous van while going out of there way to make it all fit. Excellent service, very efficient and professional. Highly recommended and nice people to deal with. Thanks Miles Ashton Gas

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