Shop Around For Commercial Van Insurance To Save Money
No matter what you do, insuring a van that you need for your business can be expensive
, so it makes sense to be clear on what you need for your business and then to shop around for a price that suits you. The cost of your premiums depends on a number of factors that have nothing to do with the level of cover you choose for you van.When insurers assess what your commercial van insurance should cost and how much your premiums will be, besides your own driving history they will look at the following:
* The area where your business is based and where the vehicle is housed at night. Certain post codes ring warning bells for insurance companies, either because of the number of vehicle thefts, or because the area is an accident black spot and this will affect the cost of your cover.
* What extra security devices, if any, you have on your vehicle.
* The number of claims that come from your particular area post code.
* Your average annual mileage and the areas to and from which, you normally travel.
Many drivers don't realise the number of external factors that can affect the size of their premiums, which is why it is vital to do your research and get a number of quotes before you sign an insurance policy. Most insurers would take the above factors into consideration when assessing you for a quote and there may be other factors that are specific to particular insurers.
If your van is vital to the conduct of your business, is regularly driven by employees and deals with goods in transit, then you will need a high level of cover. Along with fully comprehensive commercial van insurance and breakdown cover, you will also need goods in transit insurance, in case they are lost, damaged or stolen. If employees drive your van and they have an accident when they are working, then you could be liable for a compensation claim so you should have employers' liability cover too.
You may also want to think about getting a drivers' protection policy as this will cover you with a replacement van if your vehicle is off the road for any reason and may also help out when there are excess payments on your policy. If you or your employees deliver goods to and from Europe, then you should have European breakdown cover as your ordinary breakdown policy will not cover you when you are in another country.
Start your search for a premium that you can afford online. There are plenty of comparison sites where you can get several quotes, if you don't get what you want, then start your round of the companies. Nowadays many companies have easy payment options where you can pay your premium on a monthly rather than an annual basis and this is worth checking out. Do your research and you should be able to find affordable commercial van insurance to suit you.
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