Bridget Kerr
De BISAWiki
Tips to Lowering Your Van Insurance
compare van insurance - When the worry on the road, you must have adequate cover to protect you. There is a difference when driving a van on the road, you need to protect the driving force, the van and anything you are carrying inside, whether you are delivering items to a person or you have your equipment together with you, which assists you to complete jobs making a living.
The most important key to take into consideration when trying to reduce your van insurance is the kind of vehicle you drive. You will notice that some models and years can be more expensive to cover than others. It's better if you are unsure to check the insurance level advertised or talk with a van insurance broker who specialises in this type of cover to give you advice on the best vehicle to buy to lower your annual premium.
Be very careful when it comes to selecting your drivers since your drivers can lower or increase your premiums considerably. Ideally you would like all your drivers (for those who have more than one) to be over 25 with clean licenses that they have held for more than twelve months. Younger drivers are believed a risk to brokers, which means your premium is automatically increased, the same applies to those with convictions against their name or points on their license, so to be secure and keep your costs down, look for over twenty five and clean licenses.
van insurance - Consider what security measures you can put in place and this is where your van insurance agent can assist. A good alarm system, immobilizer system and even a GPS tracker will help lower your premium. Showing your broker that you have adequate security that protects your car or truck is a great way to decrease your premium and help you receive the most of your cover.
An excellent way to lower you van insurance coverage is to consider voluntary excess. Most brokers allows you to lower your premium amount but pay an increased excess should you ever have to claim. This is exceptionally useful when you have already been in business for several years and have never necessary to claim. While you do not want to cancel your cover, choosing voluntary excess could be the solution to help you lower annual expenses and still enjoy the peace of mind that you will be protected should you need it.
Always shop around. Never make use of the first van insurance broker you find. Ideally you will want minimum of three quotes, which gives you the ability to compare and review each option, make changes where necessary and read up on the company to ensure that they offer a fast claims process and superior customer service. You are also trying to find companies that are flexible and let you to change and get some new vehicles as and when you want to, maybe even add a vehicle or two towards the policy as your business grows.
van insurance comparison - Concurrently, ensure you review your policy each year as it comes up for renewal to see if you can find a better offer elsewhere. Don't assume your van insurance agent is going to give you the best deal on the internet each year. Often you'll be surprised as you start shopping around that you can get the same degree of cover cheaper, so employ this option.
Finally, only use your no claims bonus being a bargaining tool. Whether you are starting out in business the first time and need cover for your vehicles or you have been in operation for a time. Having no claims on your private or business cover can prove to your broker that you're a low risk and this can help lower the cost of your annual premium considerably.
