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Cutting Your Van Insurance Premium Down To Size

Cutting Your Van Insurance Premium Down To Size

In the present economic situation most people are looking to save money wherever they can

. One way that small business owners can shave something off of their costs is to look at cutting the cost of the insurance premium for their company van. The main factor that influences insurance companies and what they charge to insure a vehicle is risk.

Thus the kind of vehicle you drive, how much mileage you do, the time of day you drive and the area where you keep your vehicle are all things that can impact, one way or another on your insurance premium costs.

When you are looking for cheap van insurance there are a number of things you can do that will make you appear less of a risk to insurance companies and that may go towards reducing what you pay in premiums. If you have fully comprehensive cover and you should if you are using the van in the conduct of your business, then you might want to consider raising your excess.

The excess on an insurance policy is the amount of money, in the event of an accident, that would be paid by you, before you could claim on your insurance. If your excess is currently 50 pounds and you raise it to 150 pounds then this could help to lower your insurance premium.Cutting Your Van Insurance Premium Down To Size


If you run a business where you employ other people who may need to use the van from time to time, try to cut back on the number of named drivers that you have on your insurance. Five people named as drivers of the van will be a much bigger expense than you and one or two others. If you can cut the number of named drivers on your insurance policy then this could help to reduce your insurance premium.

Insurers look at the area where your business is located and where you live if that is where you keep your vehicle out of work hours. Some areas are regarded as a higher insurance risk than others, this could be because more people from that area have made an insurance claim in the past twelve months, but it is more likely to be for some other reason.

Whatever area you live in, your van will be seen as more of an insurance risk if it is left outside on the street at night. Parking your van in a garage or secure lock up at night makes it less likely to be stolen or to be hit by another driver and this could have an impact on your monthly premiums.

Clearly, there are a number of ways to reduce your insurance costs without reducing the level of cover that you have on your vehicle. If you feel that your insurance company is being unsympathetic, even though you have made a number of changes with regard to your vehicle, then it may be time to wave goodbye and look for cheap van insurance online.

by: Tom Jones
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Cutting Your Van Insurance Premium Down To Size