In the UK, insurance can run high on vehicles of all types, especially specialised ones like vans and lorries. But you can find cheap van insurance in the UK by following a few simple rules.
1. Insure only drivers who are over the age of 21, who have a clean driving record, and who have at least three years driving experience on a UK or EU drivers licence, bonus points for specialized commercial drivers licences. All other drivers are considered to be an elevated risk by insurance companies, and you won't find cheap van insurance in the UK for them.
2. Seek out and implement every special deduction you can. Truly cheap van insurance in the UK is generally found by not depending on the baseline amount you are initially quoted, but rather by pushing your agent to find every special deduction, every discount, and every bargain they can. If you're not happy with what your agent finds, go to another and compare rates.
3. Use the same insurance company for all your insurance needs. One of the best ways to find cheap van insurance in the UK is by insuring everything with a single company and asking for a discount. Most insurance brokers and agents will be able to give you something.
4. Don't carry full coverage on your oldest vans. These vehicles are past their useful lifespans, and while they can still be a valuable tool for your business, it makes no sense to carry even cheap van insurance on them. As a rule of thumb, vehicles worth less than ten times the six-month premium on the insurance aren't worth full coverage.
5. Ask about high-deductible discounts. If you're willing to carry a high deductible, many insurance companies will give you rock bottom rates. To protect yourself from unexpected expenses, deposit the amount of the deductible in an interest-bearing savings account and leave it there for when the worst happens.
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