Options UK VAN Insurance

UK VAN INSURANCE OPTIONS - Van Insurance

The latest British Insurance Premium Index from the AA showed that drivers can easily save an average of £150 by shopping around for their van insurance. So how do you find the right insurer?

Van Insurance Options aims to supply all information necessary to fulfil your insurance requirements and more! Start with our list of Top Providers shown on the right.

Goods in transit insurance covers goods against loss or damage while in your vehicle or when sent by carrier.

There is a strong incentive for insurers to discover better ways of analysing the risk of a particular proposal. If they discover a pocket in the market which is being over-priced by the competition, they can profit by attracting business at a lower premium.

It's in your interest to understand how insurers evaluate risk and what information you can give which will help convince them that you are as low a risk as possible.

What are the major factors?

The van you buy - Use the Insurance Options to look at how modifying some of your requirements for your van purchase changes your insurance grouping.

• Your No Claims Bonus. Interesting facts that can save you money
• Where you live - Post-Code data mining is now becoming a science. If you are moving house, this is the fastest way of comparing two areas for crime rates.
• Your Occupation - Many occupations can cause variations to discounts or premiums, but if yours changes a premium, what can you do about it
• How secure is your van? - One claim for van theft need not mean the end of your no claims bonus, but here are the main ways of avoiding being a victim.
• Your gender - Not much you can do about this except accept the statistics
• Your age - Again just look at the figures

What other factors are there?

• Have you received a quote from another insurer? - All forms ask for this and hardly anyone completes it. Filling it in can really help. Why?
• Do you smoke? - Yet another reason to give up smoking.
• Are you paying for bits of your policy you don't need - The classic example is a Green card

One factor missing from this list is the mobile phone premium. No insurers charge premiums yet for one of these, but in light of recent events watch this space!

Lastly, consider what most insurance policies don't cover - Personal Injury. Your passengers may be covered, but are you? Beyond the minimum cover, probably not!!

AA - Why you should insure through AA Insurance Services:

• The best cover at the best price.
• You'll be insured with a leading motor insurer from our panel.
• You can count on the backing of the AA if you have difficulties over a claim.
• Your no claim discount may be transferred.
• Legal costs will be paid for in certain circumstances.
• You know you can rely on the experience of Britain's largest motoring organisation.
• You'll be covered by an excellent policy specifically developed for small businesses.

Quoteline Direct - Why you should insure through Quoteline Direct:

• Quoteline Direct is a comprehensive online car insurance quote system. They claim you will get the cheapest quote from over 450 policies and schemes whatever your car, age or driving record.

Admiral - Why you should insure through Admiral(Gladiator):

• Gladiator Commercial is part of the AISL Insurance group which was launched in 1991. Admiral Insurance Services Limited are one of the leading direct UK insurers.

Direct Choice - Why you should insure through Direct Choice:

• Direct Choice's commercial vehicle insurance products offer a wide range of cover and pricing options, and special schemes for many different trades, up to a tonnage limit of 3.5 tonnes. They can offer competitive rates for most types of business, excluding haul.