The image we all have of the white van man is him breaking diesel land speed records in true baseball cap wearing boy racer fashion. This is not a good stereotype to be associated with and it has probably done more to raise the cost of policies than anything else. The price of good cover for van insurance these days is like the national debt of a banana republic.
With bosses putting drivers under ever increasing pressure to perform it's understandable to see the odd minor infringement. The average professional driver has more to lose by getting points than someone in a private vehicle. So considering this, the idea of a company van undertaking and jumping from lane to lane is not realistic.
The actual number of accidents that involve private vehicles makes them a much riskier mode of transport. There are other reasons why insuring a commercial vehicle is a proverbial pain in the neck. The biggest problem insurers come across is that vans are a magnet for thieves because of their possibilities.
There are lots of companies with vans that are trying to reduce the cost of insuring their fleet. Something that is getting seen more often is a sign telling would be thieves that there is nothing of value stored inside. The benefit of the statement is obvious to any insurer and I'm sure the thief would be grateful for you not wasting their time too.
The disappointing thing with all of this is that as businesses struggle in today's economic climate, premiums are still rising. If you own a van that is not for commercial use then you are made to suffer even more. There are some things that will help lower your quote in much the same way as a private car.
Making sure you garage your vehicle if possible is the obvious move but you should also consider your mileage. If your car is your main transport then having cover for a reduced mileage on your van is a wise move. Be sure to ask when getting a quote for any other way to reduce your van insurance. There are some insurers that offer reductions where others offer only the basics.
by Paul Cullen
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