Van Insurance And Van Insurance Quotes
Let's face it, if you've just gone out and purchased a brand new Ford Transit van
, the last thing you need is for someone to tell you that it's more than likely going to get stolen very shortly. Unfortunately, however, if statistics are anything to go by, there's a strong possibility that your van will in fact end up being stolen at some point.
Of course, if you drive an old banger, you may even secretly be hoping it is stolen, particularly if it's being giving you a lot of problems lately. As you no doubt already know, you'll need to have insurance before you can drive your van on the roads, irrespective of whether it's a new one or an old one. The biggest difference, at least as far as van insurance is concerned, is that if you drive an old banger, then you could quite possibly be willing to settle for third party, fire and theft insurance, but if you own a new van, you'll probably want to go for fully comprehensive cover instead.
Much will also depend on the type of work your van is used for, and also on the nature of the contents. After all, even if you drive an old vehicle, if the contents are worth thousands of pounds, then you'll also need to consider fully comprehensive cover, in that basic third party, fire and theft insurance won't cover the contents of your vehicle.
Irrespective of which type of cover you opt for, there are several things you can do in order to make sure you're getting the best possible rates.
Security- Keeping your vehicle secure is one of the key factors in finding affordable cover. The more chance there is of your van being stolen, the more you'll pay for cover. This is why when you apply for van insurance quotes you'll usually be asked where your van is being kept when it's not being used. You'll also be asked if the vehicle has an alarm system, and whether or not you have any other anti-theft devices.
Age and Driving History- The age of the driver can either count for you or against you. For example, if you're under the age of 25, you'll inevitably pay more, simply because you aren't deemed to have had sufficient driving experience as of yet. On the other hand, if you're over the age of 25, you'll automatically qualify for reduced rates. A clean driving record will also count in your favour, particularly if you've had no convictions during the past three to five years. If you're serious about finding cheap cover then it's imperative that you maintain a squeaky clean driving history, and of course you also need to avoid submitting claims unless you have absolutely no other option.
Van insurance quotes can be obtained from any of the car insurance companies operating within the United Kingdom. Alternatively, you could also use the services of an broker. Using a broker has its own set of advantages and disadvantages. The biggest advantage is that the broker will do all the leg work on your behalf, so all you'll need to do is look over the various policies and then decide which one suits you best.
The biggest disadvantage of using a broker is that most of them are only in partnership with a limited number of providers, and this of course means that you may not get quotes from all the top companies. If you feel this is a problem however, you could always get in touch with one or two other brokers as well in order to broaden your options. At the end of the day, you need to take your time, and you need to pay attention to the fine print. Don't sign anything if you have any concerns at all.
by: Tom Jones
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