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asked 3 years ago
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You get what you pay for. Make a list of your minimum requirements, but what you end up paying by way of van insurance premium is largely dictated by your individual circumstances, everything else be equal.
The factors that impact on your van insurance premium include, type of business, type of use, mileage, previous history etc. Because of this and the differing weightings applied by van insurers, it is always worthwhile shopping around for quotes as there will be a significant degree of price variation.
To help shape the price point of the quotes you receive from commercial van insurance companies, ask yourself some of the following questions:
• Do I need legal and medical insurance cover?
• If my van was off the road, could I make cheaper alternative arrangements to reach clients? Or do I need to opt for a policy that includes a free courtesy vehicle?
• What can I realistically afford to pay as an excess?
• How many miles do I expect the van to cover in a year?
The factors that impact on your van insurance premium include, type of business, type of use, mileage, previous history etc. Because of this and the differing weightings applied by van insurers, it is always worthwhile shopping around for quotes as there will be a significant degree of price variation.
To help shape the price point of the quotes you receive from commercial van insurance companies, ask yourself some of the following questions:
• Do I need legal and medical insurance cover?
• If my van was off the road, could I make cheaper alternative arrangements to reach clients? Or do I need to opt for a policy that includes a free courtesy vehicle?
• What can I realistically afford to pay as an excess?
• How many miles do I expect the van to cover in a year?
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