When taking out van insurance you need value for money, it is no good taking out the cheapest you can find only to discover that if you have an accident and need to make a claim the support just isn’t there. When taking out a new policy always ask if the following is included:

• 24 Hour Cover Support (what use it if your insurer only operate 9–5).
• Replacement like for like sized van should yours be off the road.
• In transit tool and equipment cover.
• Is breakdown cover included if you are stranded miles from home.
• No claims protection.
• Windscreen repair and replacement cover.
• New van replacement should yours be written off.
• Do you require public liability insurance to be included.

The above are a few of the questions that I know are important from personal experience and in my opinion they are all must haves. 

The Cost of Van Isurance

Van insurance quotes are calculated in much the same way as cars are calculated. For insurance purposes vans are classified into groups (you have probably heard how cars are rated from 1-20). Insurers rate vans in much the same way, the larger the van together with cost to repair or replace added to historical accident data for each make and model determines the group.

Generally speaking, the larger and heavier the van the more you will probably pay for insurance. You can of course keep the cost down by lowering your mileage, ensuring it is secure or locked away at a night time and of course, if you have no previous claims or convictions that will lower the price too. 

By far the best place to start your search for van insurance is a web site called Van Compare. You enter a few basic details when prompted and Van Compare will bring you back the cheapest quote based on your specific needs.

Why do I suggest this site? Because it is a dedicated site for just van owners. If you have already applied or tried to obtain van insurance from anywhere else you will already know just how hard it can be to get a quote not alone a decent one.

Van Compare also offer competitive rates for Employers and Public Liability so give them a try and I am pretty confident they will find you an all singing and all dancing policy at a more affordable price.