How to get cheaper pickup insurance
Bigger, more powerful vehicles are usually more expensive to insure than smaller ones. And, if you’ve made any insurance claims in the last few years, it’s likely the premiums will be higher.
However there are steps you can take which could reduce the cost of your pickup insurance:
- Choose a smaller, less powerful pickup truck
- Add extra security
- Don’t auto renew
- Build up a no-claims bonus
- Pay a higher voluntary excess
- Consider a black box policy
Choose a smaller, less powerful pickup truck because typically, pickups under 3.5 tonnes (the combined weight of the vehicle AND its load) are cheaper to insure. If your pickup does weigh more than this, it’s classed as a HGV and you’ll need truck insurance.
Add extra security to your pickup truck such as anti-theft devices and immobilisers to discourage potential thieves.
Don’t auto renew because sticking with your current insurer isn’t always the cheapest option. Compare pickup truck insurance quotes to make sure you’re getting the best deal.
Build up a no-claims bonus that could shave pounds off your insurance.
Pay a higher voluntary excess if you can, as it could bring your insurance cost down. Be sure to consider any compulsory excess listed on the policy as you will have to pay this and the voluntary excess if you claim.
Consider a black box policy for your pickup that uses a small telematics device installed to your truck, or an app on your phone to monitor your driving. If the device confirms that you’re a safe, responsible driver, your insurer may offer further discounts as it views you as a lower risk.
Will my insurance cover what I’m carrying in my pickup?
If you’re carrying things in your pickup, there are two types of insurance cover available for you.
If you’re carrying your own things, a standard commercial van insurance policy should cover the contents of your pickup. This is often ideal for tradespeople, builders and florists, for example.
If you carry other people’s goods, like if you make deliveries, or transport items, you might need to take out goods-in-transit insurance or courier insurance.
What our van insurance expert says
It might seem obvious but adding extra security measures like alarms and trackers can make your pickup less prone to theft. As well as better security, the upshot of this is insurers then see it less of a risk and might offer you cheaper pickup truck insurance.
Head of van insurance