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About Cheap Van Insurance UK
We offer a professional service to van owners looking for the cheapest insurance for their particular situation. Our teams of experts have a collective experience of the insurance business spanning many years and a depth of knowledge of that matters. Use our expertise and we can save you time and money trying to weave your way through the intricacies of UK van insurance policies.
Insurance tends to be at its cheapest if you use your van for private and not business use. This is generally known as an SDP or Social, Domestic and Pleasure only van insurance policy. This is available if you use a van rather than a car as your main means of transport. This is particularly appropriate if you own and drive a van because of a hobby that requires transporting heaps of specialist equipment, such as rock climbing or caving, or simply because you find it a cheaper or more flexible way of transporting family and possessions on shopping trips or holidays in the UK. And if you drive a van to get to work and its use is not related to your business operations but is simply used for commuting, this type of insurance policy is for you.
Depending on the options included in your SDP insurance policy, this type of policy may also include cover for driving in Europe on holiday trips. Please note however that there are some eligibility restrictions concerning a Social, Domestic and Pleasure insurance policy. To qualify, your van must be a vehicle designed to carry goods and a maximum of four people and its total unladen weight must be less than 3.5 tonnes.
If you own and drive a van for commercial or business use, there are two options that apply to your insurance policy. One is generally known as a Haulage insurance policy. This applies to you if you are transporting goods on someone else’s behalf and you are receiving payment for this service. Couriers who run their own business for instance would need this type of van insurance policy.
The second option is for van owners who use their vans to carry tools and equipment that are essential for their particular job. Builders and plumbers, for instance, would need this type of van insurance policy. If you do use a van for your particular trade, a “Carriage of Own Goods” insurance policy does allow for the personal use of your van as well.
The cheapest van insurance for you will depend not only on how you use your van (and hence the particular option out of the three above) but also on the general category of van insurance policy you require. A Third Party Only van insurance policy covers you for damage that you may cause to other vehicles or road users as a result of a road traffic accident. A Third Party Fire and Theft van insurance policy will also cover you for the theft of your van or damage to your van resulting from an attempt to steal it. A Fully Comprehensive van insurance policy gives you the greatest cover, including cover should your van be damaged or written off as the result of a road traffic accident.
A Fully Comprehensive van insurance policy may also include a number of extras as part of the policy, such as breakdown cover. There are different levels of breakdown cover and you may want to pay extra for your van insurance so that you can have the fullest possible assistance in the case of a breakdown. A basic breakdown cover will cover the costs of roadside assistance, helping you to reach your destination whilst your van is transported to the nearest garage for example. However, if your van is essential to the success of your business, ideally you would want a replacement for the period when your van is off the road. This will add to the costs of your van insurance but may be worth it in the long run.
Remember also that if you need a van as an essential part of your business operation, the kind of van insurance policy you have may carry some weight with your business manage should you require a loan from your bank. A bank is unlikely to give you a loan if you don't have UK van insurance policy that means your business cannot operate because of your van being off the road.
Use the online form if you like us to supply a quote for your cheapest van insurance UK. Please fill in all the details we ask for as this will enable to give you an accurate quote. The cheapest van insurance for you will depend on your personal circumstances as well as a lot of other factors, and the information we ask for will be used for no other purpose than to provide you with a quote for your van insurance.