This article covers Cheap Band Tour Van Insurance Free Online Quotes.
With personal finances tight for many, finding cheap van insurance quotes has never been so important. Here is a quick guide from Van Compare to help you lower the cost of the van insurance quotes you receive.
Firstly, and perhaps most obviously, you should never simply snap up the first van insurance quotes you receive. The world of van insurance quotes is a competitive market, so the chances of the first van insurance quotes you receive being the cheapest is highly unlikely. Shop around. And the best way of doing this: Van Compare. We make shopping around for cheap van insurance quotes quick and easy, contacting the UK’s leading insurers on your behalf.
An important factor to remember is the size of your van. A larger van is likely to attract more expensive van insurance quotes. Therefore, buy precisely the right size van for the intended use. Too small and you will be unable to go about your business efficiently; too big and you will find yourself paying over the odds.
Security is another integral factor in helping you receive cheap van insurance quotes. The more secure your van, the lower the van insurance quotes. By keeping your van locked away safely in a garage overnight and by fitting security devices approved by your insurance provider, you will be able to reduce the cost of your van insurance quotes considerably.
It is also a good idea to invest in an older vehicle in the first place. The older the van the less its monetary worth, so the cost of a direct replacement will be less in comparison to replacing a more valuable modern van.
Renowned money saving expert, Martin Lewis, believes an excellent way to receive cheap van insurance quotes is to increase the excess on your policy.
“It’s worth considering a policy with a higher excess amount (the amount of any claim you need to pay yourself). Many people will find that making a claim for less than $500 worth of damage increases both the future cost of insurance as well invalidating no-claims bonuses, so it’s not always worth making a claim.”
“So why pay extra for a lower excess? A few policies will substantially reduce payments for a $1,000 excess, so try this when finding your van insurance quotes. Of course the one downside to this is if you need to make a bigger claim you’ll have to shell out more, so it’s important to weigh up the risks.”
Another method of reducing the cost of the van insurance quotes you receive is to take an advanced driving course. Although this does cost an initial amount in excess of $100, many insurance companies offer generous discounts to those who have passed such a course, so you will easily be able to recoup the initial cost over just a couple of years.
Finally, ensure you inform your insurer of any change in your circumstances. If you move house or take a new job then this could lead to cheaper van insurance quotes, helping you to save money.
This is just an introduction to van insurance and is not intended to be representative of the covers or restrictions offered by any particular insurance or that all insurance provide the protection described. You can get a recommendation for a particular insurance to suit your own circumstances by talking to the skilled staff at Goods in Transit Direct on freephone 0800 308 1093.
Why buy Van Insurance?
It is the law in this country that every motor vehicle must be insured to a minimum standard defined by the Road Traffic Act of 1988. This says that you must have insurance to cover you at least for injuries that you might cause to other people and damage to their property. Insurance companies treat vans with a gross vehicle weight of less than about 3.5 tons as small commercial vehicles. Heavier vehicles than this are insured as trucks, and may have specific licensing requirements. For instance the need for drivers to be properly qualified and hold a large goods vehicles licence, and for the operator to have a haulage operator’s licence.
What is covered?
Most “third party” insurances cover you for little more than the legal requirements. “Third party fire and theft” insurances will also cover you for damage caused to your vehicle during a theft or an attempted theft, or if your vehicle is involved in a fire. If your vehicle is not recovered following a theft, or is a total loss in a fire, the insurance company will pay you the value of your vehicle at the time of the incident. If you have a valuable vehicle, you may want to purchase “comprehensive” insurance. This also covers damage to your own vehicle in an accident, even if the accident is your fault, and malicious damage.
What is not covered?
“Third party” type insurances do not cover you for damage to your own vehicle or property. “Comprehensive” policies usually have an “excess”. This is an amount of money that you are responsible for if you make a claim. Suppose you make a claim for $1000 of damage. If you have an excess of $250, you will be required to pay for the first $250 of the claim and the insurer will pay the rest. There will also be restrictions on what you can use your vehicle for and who may drive it. For instance, the insurance may only cover the vehicle whilst being driven by certain named drivers. Commercial vehicles need to be insured for the particular type of activity that they are being used for.
There are three common types:
“Carriage of own goods” insurance is appropriate for trades people such as builders, plumbers, electricians, window cleaners and so on where the van’s contents belong to the owner and are being used for the work being carried out. The van’s contents will be tools and materials typically.
Haulage insurance is for people using their vans typically for a single drop load carried over a long distance. You will be carrying the goods on behalf of a third party who will be paying you specifically for this. Your insurance certificate will include a phrase saying that you are allowed to use the vehicle “for business purposes including the carriage of goods for hire or reward”. A couple of drops would be acceptable, but having several drops in a small area is regarded by insurance companies as a higher risk which will require courier insurance.
Courier insurance is similar to haulage, in that you are carrying other people’s goods for hire or reward, but it is expected that you will be using your van in a small area in a town or city to make many drops. You might be carrying parcels to local businesses or homes for instance.
The goods and tools being carried are typically not covered by the insurance. You need to take out a “goods in transit” insurance separately to cover the goods. Tradesmen can sometimes get tools cover as an optional extra on their public liability insurance. If you allow your vehicle to be driven by someone else, or used for some other purpose, it will not be insured and in fact it will be being driven illegally.
When obtaining quotes for your commercial vehicle insurance make sure that you have the correct useage. Your policy will need to state courier useage, hire and reward and/or haulage.
Just because you have a van doesn’t mean you need basic van insurance. Without the correct useage on the policy, you will not be insured correctly and any claim may be classed as void.
The police now pull over van drivers to check that they are insured correctly under the useage. If you are a courier and don’t have the correct useage cover, you may end up with an IN10 (i.e. driving without the correct insurance PLUS six points on your licence)
Sometimes broken windscreens are not covered. It is normal now for your vehicle to not be covered for theft if you leave your keys in the vehicle.
If you have a classic van, no doubt you know how difficult it can be to get the insurance that you need for it. There are many people who own a classic van who find that even finding a quote on classic van insurance can be difficult. However, you definitely need to be sure that you find great insurance to keep your classic van protected. So, here are a few tips to keep in mind when you are insuring your classic van.
Get Specialized Classic Insurance - First of all, if you happen to have a classic van, make sure that you get specialized classic van insurance. You need special cover on this type of a van, so look and find a company that specializes in insurance cover for classic vans. Then you'll be sure to find the cover that you need for your special van.
Find Quotes Online - You may also want to look for quotes online for your classic van insurance as well. Check out websites that help you find multiple quotes so you can compare quotes all at the same time. In fact, it is quite easy to get the quotes you need, and the right site can provide you with several quotes when you fill out one simple form.
Look for Great Features - Of course you'll want to make sure that your classic van insurance policy comes with great features as well. Look for special features like roadside assistance, a complimentary van, and more.
Get all the Discounts You Can - While you'll find that classic van insurance is a bit more expensive than other types of van insurance, you can still find discounts and you'll want to get all the discounts you can. You can get discounts by proving you keep the van in a secure place, showing a good driving record, and even by going with the same company you carry other insurance policies with as well.
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