Van Insurance

Van insurance is compulsory for all van owners within the UK, as is insurance for any form of vehicle operating on British roads. Van insurance costs will depend on many factors, to begin the size and manufacturer of the van will be considered. A larger van will most often be more expensive to insure than a smaller van, this due to the value of the bigger vehicle usually being more. The manufacturer of the van will also influence the cost of the insurance, for example a premium manufacturer such as Mercedes Benz will cost more than a regular manufacturer such as Renault. The cost of insurance will also closely consider the individual driver, just like car insurance; a policy is tailored towards the individual. Due to this, the age of the driver and their driving record will dictate the price paid for insurance. If a driver has any motoring offences such as penalty points, the insurance is likely to be considerably higher than somebody without driving offences. As previously mentioned, the age of the driver also has a major influence over the price of the insurance. Young drivers typically struggle to find cheap insurance for any form of vehicle which is why being named drivers on policies and also doing a course such as pass plus can being down the price of the insurance. The best way to find cheaper van insurance is to shop around, for example before accepting a renewal quote, people are advised to check out other companies to see if a lower price can be gained. The easiest way to check out the quotes offered by insurance companies is to either use their individual websites or to visit comparison websites. A comparison website will allow you to search for van insurance from many different companies and then see the cheapest but also the best package offered for insurance. The majority of insurance companies which offer car insurance will also offer van insurance and due to this, there is plenty of choice for you. Before buying a van it its worthwhile checking out the prices which you are likely to be charged for insurance, each vehicle has an insurance group. This insurance group is preselected and is determined on the manufacturer, value, size and emissions. Usually the lower the insurance group, the groups range from 1 to 20, the lower the cost of insurance. People who own their own vans are responsible for getting their own insurance for the vehicle and are also responsible for the upkeep of the vehicle. For employees of businesses who are employed to drive vans or are given vans as part of their jobs the organisation is likely to be responsible for the insurance for the individuals. Although individuals working for organisations where they are driving vans are advised to check if insurance is in place, if it is not, the individual driving the van will be held responsible rather than the organisation. Many organisations take out one large policy to cover all drivers, although this does depend on each different business operations.