Having van insurance is a legal requirement, you cannot go on the road legally without it. However, you might be starting to get frustrated as your insurance premiums seem to be going through the roof. Don’t worry though, as you’re not alone. Research has shown that people with vans, pay twice as much as people with cars. However, there are a few things that you can do to help you lower your insurance.
Getting insurance for your van has never been so easy recently, thanks to companies like one sure insurance who can help you find the cheapest insurance for your van. It’s important to shop around when you are planning on getting van insurance, you should never go for the first offer you get. If you shop around, you’ll be able to find cheaper deals. It doesn’t just stop there though, there are a few things that you can do to help lower your van insurance.
Build Up Your No-Claims Bonus
Building up your no-claims bonus is a simple but effective way to bring down your premiums. Make sure you declare any no-claims bonus and see if you can use your car’s no-claims bonus on your van. This can come in really useful and help lower your van insurance. So, if you can use your car’s no-claim bonus on your van insurance then go for it. It might lower you van insurance by a fair bit if you are lucky.
If you are planning on using your car’s no claim bonus, then you should bear in mind that it can only be used on one vehicle at a time for some companies. It’s fairly easy to build up your no claims bonus though, it is usually measured in years and basically just means that you haven’t made a claim for a specified amount of time.
Empty Your Van at Night
Another way to lower your van insurance is to empty it at night. If you keep your equipment in it overnight, then your insurance will go up. If it is practical, then you need to make sure that you don’t leave your expensive tools and other equipment in your van overnight. Declaring an empty van can lower your premiums as your vehicle will be less of a target for thieves.
You should be emptying your van anyway and locking all your equipment up in a safe place over night, as you can never be too careful. If your equipment is heavy, then you should try and see if you can park your van in a secure location, where thieves will be unable to get in to it. Either way, just telling your insurers that you bring your toolbox inside the house, instead of leaving it in the van might help you get cheaper insurance.
Secure Your Van
Improving your van security is a sure way to help lower your van insurance. Before you install anything, you need to double check with your insurance company first to see if it will help though. If it does, then great. You can install an alarm, immobiliser, steering wheel lock and tracker, which could all help lower your insurance premiums.
It doesn’t just stop there though; you can also get security etching on the windows and make sure you park your van on your driveway or in a garage if you can. It’s better to make sure that you van is kept in a secure area when it is parked up. These are only a few things that you can do to help you get lower van insurance, however, there is plenty more that you could do. If you are thinking of getting a van at some point, then insurance isn’t only thing that you should be thinking about. Why not check out this article here that is a guide for purchasing your first van for more information on what you need to know.
