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When you drive a van for a living, you want to take any steps possible to cut down the cost of your insurance. With this in mind, below are some of the best ways you can save money when taking out a van insurance policy.
Consider a smaller van
When it comes to the cost of a van insurance policy, the size of your van will certainly make a big difference. You should think about the type of cargo you usually transport and whether it would be feasible to get a smaller, less powerful van. This is one of the best ways you can cut down the cost of van insurance.
Increase your voluntary excess
Another reliable way to cut down your premium is to increase the amount of excess you’d pay if you had to make a claim. There is a risk here since you would have to pay the extra if you made a claim but if you’re a very careful driver then it’s definitely worth considering.
Improve the security of your van
The security of your van is a big factor that insurance providers will take into account when coming up with a price for your policy. Alarms, immobilisers and tracking devices are all excellent ways to make your van more secure. Where you park your van when it’s not being used also makes a big difference. Ideally you’d keep it in a securely locked garage.
Paying annually rather than monthly for your van insurance is another excellent way to cut down the cost. Most insurers will be prepared to offer you a significant discount when you pay for your policy upfront like this.
Limit named drivers
The number of named drivers on your policy will certainly affect the price significantly. As a courier van driver, you can get what’s called an ‘any driver policy’ where you can have up to 4 people who can drive your van. If you’re able to keep yourself as the sole driver however, the cost of your policy will be significantly cheaper.
Get as many quotes as possible
Getting quotes from many different insurance providers is one of the best ways to save money on van insurance. The price that you’re quoted for a policy can vary significantly from one insurance provider to another so you should never simply take out a policy with the first provider you contact.
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