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Tips for reducing van insurance premiums

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Here are some more ways to ensure that you don’t pay over the odds for your van insurance. Check out following ideas, before using Confused.com to find a great deal.

Voluntary excess may lower your van insurance premiums

The voluntary excess is the part of a claim that is paid by you. You can usually get this cost back if the claim is deemed 'non-fault' by your insurer.

Increasing the voluntary excess amount will often lower your van insurance premiums. Make sure that the combined compulsory and voluntary excess doesn't exceed what you can afford though, assuming you were to have an incident.

Prove your van driving experience

Proving your experience can help in lowering van insurance premiums. Some van insurance companies will apply discounts if you can show proof of driving other company vehicles.

Declare your car insurance no-claims bonus

Some van insurance companies will take account of your existing no-claims bonus (NCB) on your car insurance policy. Although please note that you're unable to transfer this bonus.

Protect your no-claims bonus

Protecting your no-claims bonus means that if you have to make a claim, you won’t lose your NCB. Many insurance companies will offer the option to protect NCB terms in their policies. These will cost more, but may be a worthwhile investment in the long run.

Tow trailers safely

Many van drivers will need to tow trailers and machinery. The most important thing to remember is not to exceed your van’s safe towing-weight limits. As this practice is dangerous, it can result in penalty points, which could mean higher premiums.

Also, should a claim arise, your van insurer may refuse payment or offer a reduced payout.

Most van insurance policies cover the use of trailers to transport materials and equipment, although it's worth double-checking any policy details to make sure.

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