Is Cheap Commercial Van Insurance A Good Deal?

While cost control is sometimes more of an art than an exact science, simply going for the cheapest van insurance quote isn't always the best course of action. Nor is it likely to be the best value for money.

However, knowing which factors influence van insurance companies in calculating their quotes will help you gain a better understanding of the issues involved. Among these are your line of business, whether vehicles require overseas insurance cover, the age and driving experience of drivers, the number and type of vehicles you wish to insure, and the intended vehicle usage.

Courier firms, for example, with high volume deliveries and a high annual mileage will naturally receive a quote that reflects this risk, whereas a sole trader like a plumber with one van whose customers are in a small geographic area will pay much less.

Some companies restrict cover to clients based on the UK mainland only. Taking a van to the continent requires additional insurance cover to be in place.

Drivers should, for optimum premium price reasons, be restricted to an age range of 25 ~ 70 and be holders of full driving licences that are both current and clean.