Today – Tips on How to Get the Best Deal on Your Van Insurance
Before you can go on the road with your van, you will need to have insurance in place. Instead of paying over the odds for that cover, though, there are useful tips and tricks that you can use to help save you money. When comparing car insurance and van insurance policies, the latter tends to be more expensive, so before you go about paying for next year’s policy, here are six top tips on how to get the best deal on your van insurance.
Start Researching Early
Whether you’ve recently purchased a van or you’re a long-term owner, we all know how important it is to have van insurance in place by a certain date. If you’re using the van for business purposes, it can be all too easy to take your eye off the ball and forget to sort your insurance, resulting in you heading online in a blind panic the day before and selecting the first option you see.
What you may find surprising is that getting a quote a day or two before your policy is due could end up costing you up to 32% more than it would have done a couple of weeks prior. To ensure you get the best deal possible, you may want to consider checking out Quotezone for your van insurance. Because they compare against so many different providers they can help you to find a deal that’s suitable for you. To get an instant quote, you will need to enter your vehicle registration number on their website.
Increase Your Voluntary Excess
To put it simply, your excess is a set figure that an insurer will take away from any claim payouts you make before it arrives in your bank account. In some instances, excesses are set by the insurer, meaning they cannot be avoided. If you’re a young driver or have little experience, these tend to be compulsory excesses. What you may not know is that you’re able to tweak your level of voluntary excess, which can help to lower your insurance costs.
Make Your Van More Secure
If you use your van for business purposes, you will know only too well how your vehicle can be a tempting target for opportunists and organised thieves. Whilst keeping your van safe and secure should be a no-brainer, there are extra security features that you can install to add an extra layer of protection, helping to give you reassurance and peace of mind. What’s more, beefing up your van’s security may help to reduce your premium too. Simple security measures such as fitting an alarm, tracker, and an immobiliser will make your vehicle less prone to theft.
Drive a Smaller Van
The size of the van you drive can also have a big impact on how much you pay out each year for your insurance. Many insurance companies’ class large vans as a bigger accident risk, so if you don’t need to have a large van to operate your business or to go about your day, why not consider downsizing to something a little smaller? Having a van with a less powerful engine may help you save money in the long run.
Declare How You Use Your Van
It won’t come as much of a surprise to learn that a majority of van owners use their vans for business purposes, but a surprisingly large percentage (34%) use their van for social purposes only. If you happen to fall into that category you should let your insurer know that you don’t plan to use the van for business or commuting, because those classes of use tend to cost more to insure.
Record Your Van’s Mileage
How much you use your van will naturally play a big part in the amount you pay for your insurance policy each year. The more miles you do, the higher the cost will be, so it’s important that you accurately note down your van’s mileage. What’s more, the higher the mileage, the more chance you have of making a claim. It’s best to be honest when declaring your mileage, and the last thing you want to do is unknowingly overestimate it, as you could end up shelling out more money than you need to.
Getting van insurance quotes early, increasing your voluntary excess, making your van more secure, as well as accurately recording your van’s mileage are just a few ways on how you can lower the cost of your van insurance. Whether you use your van for business or social purposes, there are lots of ways to bring the costs down.
I do hope you have found this post on Tips on How to Get the Best Deal on Your Van Insurance to be useful