How to get cheap van insurance for over 25s
Finding the cheapest van insurance cover can be critical for your business, here we run through some tips to help you find a cheap policy.
One of the key factors that determines the cost of van insurance is the age of the driver (or drivers on an any driver policy). Younger drivers will attract higher insurance premiums as they are statistically more likely to have an accident and make a claim because they are generally not as experienced as drivers over 25.
With car insurance, young and new drivers are faced with significantly higher premiums because of this, and as vans are bigger vehicles it is even more of an issue.
Because of this, the van insurance market tends to be split into two areas - one for young and new drivers and one for drivers aged over 25.
In this guide, we will run through what you need to know about getting cheap van insurance if you are over 25, and identify some of the most popular van insurance providers.
What cover do you need?
When you are comparing van insurance for over 25s, you need to decide exactly what level of cover you require. You will typically be offered the following three levels of cover:
- Fully comprehensive
- Third party, fire and theft (TPFT)
- Third party only (TPO)
For more information on what you get for each level of cover, read our guide: What does ‘third party’ and ‘comprehensive’ car insurance actually mean?
The level of cover you require can significantly effect the cost of your van insurance, with comprehensive cover usually being more expensive than third party cover. However, that is not always the case as the price you are quoted will also depend on other factors specific to you, your vehicle, your driving history etc. So make sure you compare quotes from a range of insurers in order to find the best deal that is suited to your own needs and requirements.
What do you use your van for?
Another factor that can influence the cost of your insurance is what you use your van or vans for.
A private van that is only used for domestic purposes will be cheaper to insure than a commercial van that is used for business. If you need to drive a van for your job, or your business runs a number of vans, then you may need more specialist insurance depending on what it is used for.
This can include:
- Business van insurance
- Fleet insurance
- Courier insurance
- Goods in transit insurance
- Hire and reward insurance
It is important that you look into the different policies available for van insurance to make sure you are only paying for the cover you need.
Cheap van insurance for over 25s
The first step to getting cheap van insurance is to compare as many quotes as possible from different insurers.
Let Bobatoo help you find the best deal:
Below are some of the most popular van insurance companies who offer cheap deals for drivers aged over 25:
|Company||Max. vehicle value||Cover options||Max. vehicle weight||Get quote|
|Aviva||£35,000||Replacement vehicle, accidental damage, windscreen, EU cover||3.5 tonnes||Quote|
|AXA||£50,000||Replacement vehicle, accidental damage, windscreen, EU cover||3.5 tonnes||Quote|
|Direct Line||£50,000||Replacement vehicle, accidental damage, windscreen, EU cover||3.5 tonnes||Quote|
|Trade Direct||Unlimited||Commercial use and replacement vehicle||3.5 tonnes||Quote|
|Insure Daily||£45,000||Replacement vehicle||3.5 tonnes||Quote|
Is temporary van insurance suitable?
The final insurer on the above list offers temporary van insurance, which can be purchased for just one day or several days all the way up to three months.
If you only need to use a van for a short period of time this can help you keep the cost of insurance down, as you will only be insuring the vehicle for the amount of time you need it. Whether you need the van for private use for a short term period (moving furniture etc...) or need to insure a business van for a brief period of time (to replace a van that is temporarily off the road) then temporary van insurance could be ideal.
See more here: Temporary van insurance