As the UK’s leading van insurance broker, we understand that not all vans are used for business, that’s why we have insurers that will cater for specific Social Domestic and Pleasure needs. Whether you’re using the van to take rubbish down to the skip, or dropping the kids off to school, we know that you need cheap private van insurance to cover you for all aspects of domestic use.
What level of cheap private van insurance cover do you require?
When you buy a van, first of all you will need to consider what level of private van insurance you will need. The amount you pay for your private van insurance will be dependent on the level of cover you choose. You should always choose the level of cover that will match your own personal needs.
The 3 levels of cover are as follows:
1) Comprehensive cover. Comprehensive covers you for liabilities to other vehicles and property if you cause an accident and protects your vehicle against any losses through fire, theft and accidental damage.
2) Third party fire and theft. Third party fire and theft covers you for liabilities to other vehicles and property if you cause an accident and protects your vehicle against any losses through fire and theft.
3) Third party only. Third party only covers you for liabilities to other vehicles and property if you cause an accident.
Check the small print on the policy
We appreciate that getting a tailored private van insurance policy at the right price is just as important as getting the right van for your personal use. However, before agreeing to any private van insurance quotes online, we urge you to check the small print on any private van insurance policy as van insurance policies will differ dependent on the insurance provider.
Lowering the price of private van insurance
At a time when people are feeling financially vulnerable motorists across the UK have had to tighten their belts as they are hit with massive increases in the cost of their private van insurance. Here are some Autonet top tips to help you save money on the cost of your private van insurance.
- Compare levels of cover. Believe it or not, Third Party only cover, at times has been more expensive than Third Party Fire and Theft and sometimes even Comprehensive. So when running through insurance quotes, try different levels of cover, this would certainly save you a lot of money on your private van insurance.
- Consider your vehicles Security. Installing an approved alarm and immobiliser can lower the van insurance premium. Try and consider installing approved van security systems which are recognised by van insurers. Always ensure you get a fitment certificate as this maybe needed when submitting a claim.
- Be careful where you park. Insurers recognise that parking your van in a garage is safer than on a driveway or parked on the road as it is less likely to be vandalised or stolen. Many insurers offer van insurance discounts to van owners who park in a secure location, so finding a garage you can rent maybe a good option.
For more tips on saving money on your van insurance, have a read of the ‘Find cheap van insurance quotes with our money saving top tips’.