Elise Cronk
De BISAWiki
Tips to Lowering Your Van Insurance
cheapest van insurance - When driving a vehicle on the road, you must have adequate cover to safeguard you. There is a difference when driving a van on the highway, you need to protect the driver, the van and whatever you are carrying inside, if you are delivering items to a client or you have your equipment together with you, which assists you to complete jobs making a living.
The most important factor to take into consideration when trying to tear down van insurance is the kind of vehicle you drive. You will notice that some models and years are more expensive to cover than others. It's better if you are unsure to determine the insurance level advertised or speak to a van insurance broker who specialises in this type of cover to give you information on the best vehicle to purchase to lower your annual premium.
Use caution when it comes to selecting your drivers as your drivers can lower or improve your premiums considerably. Ideally you need all your drivers (for those who have more than one) to be over 25 with clean licenses they have held for more than twelve months. Younger drivers are believed a risk to brokers, so your premium is automatically increased, exactly the same applies to those with convictions against their name or points on their license, so to be safe and keep your costs down, search for over twenty five and clean licenses.
cheap van insurance - Consider what precautionary features you can put in place and this is where your van insurance broker can assist. A good alarm system, immobilizer system and even a GPS tracker can help lower your premium. Showing your broker you have adequate security that protects your vehicle is a great way to lower your premium and help you obtain the most of your cover.
An excellent way to lower you van insurance is to consider voluntary excess. Most brokers will allow you to lower your premium amount but pay a greater excess should you ever need to claim. This is exceptionally useful for those who have already been in business for many years and have never required to claim. While you cannot afford to cancel your cover, choosing voluntary excess could be the solution to help you lower annual expenses yet still enjoy the peace of mind that you are protected should you need it.
Always shop around. Never utilize the first van insurance agent you find. Ideally you want a minimum of three quotes, which gives you the ability to compare and review each option, make changes where necessary and browse up on the company to ensure they offer a fast claims process and superior customer service. You are also trying to find companies that are flexible and invite you to change and upgrade your vehicles as and when you want to, maybe even add a vehicle or two for the policy as your business grows.
cheapest van insurance - At the same time, ensure you review your policy annually as it comes up for renewal and see if you can find a better offer elsewhere. Don't assume your van insurance professional is going to give you the lowest price 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, always employ your no claims bonus like a bargaining tool. Whether you are starting out in business the very 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 show to your broker that you're a low risk and this might help lower the cost of your annual premium considerably.
