Van USP v2

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Quotezone has saved our family a small fortune on all of our insurance needs. Definitely worth putting to the test!Pamela, United Kingdom
Reviews.co.uk, 28 June 2014

 
 
 

Core - Van Body v2

Overview

Compare van insurance quotes - we search over 40 companies with one form

Quotezone's UK Van and Commercial Vehicle Quote System could save you time and money.


 

About the Quotezone van insurance comparison system

Quotezone's UK van and commercial vehicle quote system could save you time and money. You just have to fill in your details once, and you could receive up to 60 quotes back from our panel of UK insurance providers which includes insurers such as Gladiator, More Th>n, Direct Choice. You should see the quotes appear online in around 60 seconds.

Why use Quotezone to compare van insurance quotes?

We compare UK van insurance providers so you could get cheaper prices:
You can buy online or by phone with options to pay monthly (some companies may offer no deposit van insurance schemes) or to pay annually.

We quote quickly:

Most of the quotes will be displayed on your screen within 1 minute and we will also email you the results so you can consider them at a later date.

 

Van insurance guide

Getting van insurance is generally speaking part and parcel of van ownership. As the cost of motoring is continually rising year on year then it could be wise to shop around for van insurance before committing to a purchase. One way of doing this is to compare van insurance prices in order to determine which is the most affordable and appropriate for a given set of circumstances. Finding cheap van insurance isn’t necessarily an option for everyone but getting a range of quotes from various providers could give van drivers an excellent overall picture of the deal they’re most likely to achieve.

Why is van insurance necessary?

To drive anywhere in the UK it is a requirement to have valid insurance in place before getting behind the wheel. Unless a vehicle is registered with the DVLA as being off road or having a Statutory Off Road Notification (SORN) then legally any driver will be expected to have cover in place.

The minimum requirement for van drivers is typically third party insurance. Anyone driving a van without insurance could be liable for a fine or other legal proceedings so it could be wise to get an appropriate policy, ahead of making any journeys.

Different types of van cover

There tends to be three main categories of cover that van insurance falls into:

Fully Comprehensive – this type of cover could be best for van drivers that want to be sure they are fully covered in the event of an accident. It might be more expensive than other types of policy but it could be the right cover if someone wants peace of mind their van and themselves are protected even if an accident is their own fault. Those seeking a fully comprehensive van insurance UK policy may want to add on extras such as breakdown cover to ensure they may have protection in every eventuality. It could be worthwhile for a van driver to compare van insurance quotes for fully comprehensive cover.

Third Party - This type of cover is typically the minimum cover that a person could have in order to drive a van legally on UK roads. It is likely that a third party van insurance policy could be cheaper than other kinds of cover which could be attractive to van owners that have a vehicle of low value.

The cover that third party offers is generally to only pay out to the victim of the accident. Therefore the van driver and their vehicle tend to remain unprotected by insurance. A van driver involved in an accident with only third party cover could typically be required to cover their own cost of repairs. They also may not be covered in the event of being injured. A third party van insurance may provide the basic minimum cover however it could be considered more risky to proceed with this type of insurance without checking the alternatives first.

If a van was stolen or damaged again with third party cover it could be unlikely the policy would include this.

Third Party, Fire and Theft.

This type of policy typically covers the same aspects of a third party policy but it also includes fire and theft. This means that if a van is damaged as result of fire or theft then it could be covered by this type of policy as opposed to not being covered at all on a third party only policy.

If an accident finds the van driver at fault then usually the policy could pay out the damage on the victim’s vehicle. As with third party cover the van owner may have to pay for their repairs to their vehicle. Like the majority of all insurance policies there is typically an excess to pay when making any claim so it could be sensible to factor to this in when searching for a suitable policy as well as in the event of a claim.

Getting a good deal on van insurance

Finding a suitable policy might seem like a chore, however it could be made easier by comparing van insurance in order to find a cheap policy. It could be a good idea to engage with a comparison company as that could mean getting a range of cheap van insurance quotes to choose from. The circumstances of someone needing insurance could influence the policy type that is achievable. For example a young or new driver might expect to pay a higher premium compared to a van driver with years of driving experience. Likewise a van driver with previous convictions, motoring offences or only needing temporary cover may have unique circumstances that could ultimately impact the price of a quote.

Young or new van drivers

A young driver or one that has recently passed their driving test could find that they have a big outlay when it comes to searching for van insurance. Whilst it is feasible to find a suitable van insurance policy any company may consider a young van driver as a greater risk. Using a comparison service could help to identify cheap van insurance quicker for this type of policyholder.

Any van driver under the age of 25 may find themselves struggling to find a cheap policy. There could sometimes be ways to reduce the price of premiums for a young driver, such as installing black box technology or agreeing to specific policy terms.

Drivers with motoring convictions

When it comes to a motorist with driving offences or points on their license they might find themselves penalised by way of a high insurance premium as well. Any insurance provider is likely to ask drivers to reveal the nature of any motoring convictions so there is generally no way of escaping the consequences.

Working with an insurance specialist that is dedicated to helping van drivers find the cheapest quote for their circumstances could benefit those with points or convictions. It could help this kind of driver pay less for insurance than if searching alone.

Different types of van cover

Depending on the nature of the business a van driver is in, there could be variations to the type of insurance policy that they require. The type of policy that a person could need may depend on what the van is used for. For example a van might be used to deliver parcels or it could be used to carry tools or equipment to a particular destination. A van might also be used by a tradesperson looking to transport their tools and supplies on a day to day basis.

When looking for quotes then the value and condition of the vehicle may be considered as well as the usage and the overall picture could determine the price of any quote. There tends to be three categories to choose from when selecting the van usage:

Carriage of own goods – this means that the van is question is typically used for carrying tools or other items belonging to the policyholder for commercial use or for carriage to a customer. The van may also be used for personal use outside of work hours.

Haulage – this usually means carrying goods or materials that someone is paying to have delivered. A comparison on quotes could be useful here as it is likely to be the most expensive in terms of insurance premiums.

Personal, domestic, pleasure – when selecting this option the policyholder may want to carefully question if this will be the only use of the vehicle. Whilst it could be the cheaper option it could also limit the activities the van could be used for and so the driver may need to be certain they will never use the vehicle for commercial use.

There tends to be different kinds of policy available too depending on the type of van insurance sought:

Courier van insurance – anyone delivering goods or parcels to various destinations might choose courier van insurance. This could mean that the vehicle and any goods are covered in the event of accident, theft or damage. Checking the particulars with an insurance specialist could be the best way to ensure a good deal on UK van insurance.

Temporary van insurance – a person wishing to use a van on a temporary basis in the UK might select this type of cover as it is likely to give appropriate insurance for a specified length of time. This could give greater flexibility than an annual policy for businesses or individuals that only need to use a van for part of the year.

Business and commercial van insurance – anyone driving a van, minibus, commercial vehicle or truck is likely to need business cover in place to protect them in case of an accident. Working closely with an insurance specialist could be key to getting cheap van insurance. Businesses looking to cover a van for commercial use might want to consider factors like mileage and the specifics of any drivers involved in order to keep premiums to a minimum.

Policy extras

Depending on the nature of a business using a van then there could be optional extras to consider. This might be able to be added on to a typical van insurance policy. Things like van breakdown cover, equipment cover or legal expenses might all be considered useful additions to have. Breakdown cover in particular could be found to be essential if a vehicle breakdown mid delivery or whilst on the job.

Getting the best price on insurance

Shopping around for cover might be time consuming however could be the best way to find a good deal on van insurance. Many people might choose to use a comparison service online or via the telephone to get help in finding a great price on insurance.

Frequently asked questions

What is private van insurance?

Private van insurance tends to be a policy that covers a person to drive a van type vehicle for social, domestic and pleasure only. This could mean that using this vehicle for work purposes would not be covered under this type of policy.

What is business van insurance?

Business van insurance is typically a policy that covers a van for business usage. For instance a haulage company or courier could have business van insurance that could cover their vehicle in the event of an accident or damage.

What is commercial van insurance?

Commercial van insurance usually refers to a van that is used for business purposes such as being used to carry tools, products or equipment to and from a job such as a plasterer, decorator or other tradesperson.

Why do I need van insurance?

In order to drive a van on UK roads legally then a driver usually needs to have valid van insurance in place. This could be important to avoid prosecution and also to ensure that any business runs to the requirements of UK laws.

Who does van insurance?

A person could find van insurance from an insurance provider. Most companies are likely to offer van cover however using a comparison service might put someone in touch with a specialist that could help get a cheap van insurance deal.

What are van insurance groups?

When looking for insurance it is usually the case that a van could be designated into a particular insurance group. This may depend on the size and weight of the vehicle as well as the engine capacity etc. Large, heavy vehicles might be considered a higher risk or harder to repair and thus be placed in a higher rated group as a result.

Comparing van cover

Not everyone decides to compare van insurance however it could be a good idea to check out prices ahead of renewing any van insurance policy. A comparison service might be better placed to obtain a cheaper quote than someone looking for insurance on their own. Submitting some basic details about the driver and vehicle is usually all that is needed to get a range of quotations. Alternatively if a person has specific circumstances or needs then they could discuss them in more detail with an insurance comparison specialist.