Getting commercial van insurance in the UK is very easy these days. Insurers compete to offer business van insurance. The business or van owner can get just the right kind of cheap insurance matching the van driver's profile, and it can be done very fast and online. It's possible to get and compare van insurance quotes from all the major insurers with a few simple clicks. This article provides you with an overview of commercial van insurance in the UK.
There are different policies for different van types. Even leaving aside personal use vans, there are still many business van insurance policies tailored for specific vehicles. For example, there is the small van insurance, light goods vehicle insurance, business van insurance, van breakdown insurance and so on.
Depending on the type of business, there might be a need for some specialist cover too. For instance, if the van is being used to transport passengers, then they would need to be covered too. Valuable goods being transported will need to have some kind of cover too.
Another classification that will help in selecting the insurance type is the kind of driver (or drivers) who will be driving the van. For example, there is a driver insurance which allows a company to assign any driver to a van. Then, there are separate policies for convicted drivers, young drivers under 25, and so on.
Online insurance and comparing quotes
It's possible nowadays to find, compare and get online van insurance. The process is very simple. The online provider will ask for the kind of information about the van, the business, the drivers, the cargo or passengers. Benefits It's fast and hassle-free. It can be done without contacting dozens of insurers individually. Once that all the information has been filled in, the site pulls in quotes from all the major UK insurers. Comparison The applicant can then compare all the insurance quotes and choose the lowest car insurance, or choose the cover that best matches the applicant's business, van and driver profile needs. The entire process hardly takes a few minutes.
As mentioned above, it's not hard to compare quotes and find the lowest premium for insuring a business van. However, the applicant can reduce the premiums even more by taking a few simple measures. Premium and types of vehicles For example, street-parked vehicles have to pay higher premiums than those that are parked in secure garages and car parks. Some on-vehicle security, like an alarm system and a tracking device, might help to reduce the premium even more. For those who can afford it, a higher voluntary excess on vehicle insurance will also reduce the premium.