Purchased a van and looking for the right commercial vehicle insurance? Here are our top tips to make sure you get a good deal.
1. Always give accurate information when searching for van insurance quotes.
It’s vital that you give accurate details when filling out online van insurance forms as this will ensure that the insurance firm or broker will be able to find you the right kind of insurance that is most relevant to you and your requirements.
2. Look around online
Finding the right kind of van insurance has been made even easier with the introduction of price comparison sites. Inputting your details into one quote form can save you time and money in the long-run; however, it’s worth remembering that not all insurers can be found on comparison sites.
Also brokers such as constructaquote.com have to pay comparison websites to use their facilities for online sales. These costs could mean you end up paying more rather than going to a broker or insurer directly. Brokers can search a panel of insurers directly and may even have schemes available which could be beneficial to you and your business.
3. Make sure you get the right cover for your van, this can include:
a) Fire & Theft – in the event that your van is fire damaged or even stolen this cover could ensure that you receive market-value should you lose out.
b) Goods In Transit – this cover can protect your tools and stock should anything get stolen or become damaged whilst being carried by your vehicle.
c) Breakdown and Replacement Cover – breakdown recovery costs can prove very expensive and if you found yourself in a predicament whereby your van was out of action you may potentially lose income.
d) Fleet Cover – if your business operates a number of vans it could help reduce costs by taking out a fleet van insurance policy to cover multiple vehicles.
4. Don’t forget the dash cam!
If you use a dashboard camera within your vehicle, some insurers may offer you a discount. constructaquote.com will give you 15% off the cost of your policy if you use and have a dash cam installed within your commercial vehicle. On some of its policies, you may even get one free.
5. Stay safe
If you are a safe road user with no claims, you could find that you will receive bigger bonuses from insurers and lower prices when you come to look for a quotation. It really does pay to be a smart and careful driver.
Van and Vehicle Insurance
This guide is part of our series related to van and vehicle insurance, for more guides, or to get a quote, head over to our van insurance section.