If you’re one of many hundreds of van drivers delivering items on UK roads, you understand how essential your car is to your livelihood. However, not all vans are low-cost to insure. 

That’s why the business van insurance coverage specialists at Adrian Flux have compiled an inventory of the most affordable vans to insure, in addition to detailing the essential points insurers take a look at when calculating the price of your premium. 

Whether you employ your van for private or enterprise use, here’s what it’s good to learn about low-cost insurance coverage for vans.


1. Citroen Berlingo

The Citroen Berlingo has an engine measurement starting from 1360 to 1997CC. The smaller engine measurement has a smaller max payload, which can be wanted for some jobs. But with the van being positioned in group one, it makes it one of many least expensive best vans round. However, the next max payload can push this all the way in which as much as group eight if required.

2. Ford Fiesta Van

It shouldn’t come as a shock that the most affordable Ford van to insure can be one of many smallest. The 2013 mannequin 12 months Fiesta van begins in group one, which will get you the 1.5-litre TDCi mannequin in both tremendous frugal Econetic or sharp wanting Sport guises. The 1.25-litre petrol model can be in group 1E – the ‘E’ means it exceeds security physique Thatcham’s safety necessities – so it has been bumped down right into a decrease group. At worst, you’re group 2E for the 1.6 TDCi Sport mannequin.

3. Vauxhall Corsa Van

Vauxhall Corsa vans are small and compact, with a terrific return on gas economic system. Based on the common Corsa automobile, the Corsavan is nimble and simple to manoeuvre in tight areas, making it supreme for small companies working in and round small cities and metropolis centres, good for native supply drivers. The Corsa van will place you in insurance coverage group one. 

4. Vauxhall Combo

Depending on the mannequin you purchase the Vauxhall Combo can fall between insurance coverage teams one to 4. The Vauxhall Combo is available in two lengths and one roof peak (L1 H1 and L2 H1), and there’s additionally a Crew Van based mostly on the L2 H1 model. There are three trims out there: Edition, Sportive and Limited Edition Nav. The primary Edition is designed to cater for fleet patrons, however continues to be fairly properly outfitted, whereas the Sportive and LE Nav vans bump up the package rely for smaller enterprise customers.

How to get low-cost insurance coverage in your van

Van insurance coverage is decided by a spread of various components, together with private information about your self, together with your age, how lengthy you’ve gotten been driving, your no claims bonus and the place you reside, to call a couple of.

However, there are some pointers which might aid you discover a van which is cheaper to insure than you may count on.

The smaller the van the higher

A normal rule of thumb is, the smaller the van, the cheaper will probably be to insure. If your job doesn’t require you to make use of a big van, you then’re finest off shopping for a smaller one. Entry stage vans with a single panel are even higher as they’re usually cheaper to purchase than their increased spec counterparts, which implies they’re cheaper to exchange, driving your premium decrease. 

Try to not modify your van

If you’ve gotten modified your van, or have bought a van that has been modified ultimately, this might trigger the insurance coverage value to rise. Often a van that has been modified shall be costlier to insure, because the insurer might discover it difficult to cowl the price of getting a alternative van to the identical state as the unique, in case your van has been modified from the producers’ unique specification. 

However, some modifications can drive down the worth of your insurance coverage, so it’s at all times finest to verify with a mod specialist resembling Adrian Flux to see how one can lower your expenses.

The measurement of your engine could make an enormous distinction  


A smaller engine, as with vehicles, usually implies that insurance coverage premiums are cheaper as, within the eyes of insurance coverage suppliers, the much less highly effective the engine the much less danger of a declare being made.

The last item {that a} van driver wants is their car to be underpowered for the duties they do usually, so solely select a van with the bottom engine class that may nonetheless do the job you want it for.

How safe is your van?

Insurers may even take note of how costly your van is, as costlier vans usually tend to be stolen. They may even cross-reference this with the place your van is saved in a single day, be that on a drive, in a road or in a storage. Having the most recent safety features although can assist scale back your premium, so make sure to declare these particulars when requested. 

Cheap vans to insure

Whilst the above data can assist you slim down your listing of potential vans to purchase, there are after all some vans that are seen as the most affordable to insure. The above components can assist, however it is very important keep in mind that your individual driving historical past can have an effect on your insurance coverage premium. 

Another essential factor to notice is as soon as the above components have been accounted for, the Association of British Insurers (ABI) locations every van into an insurance coverage group starting from 1 to 50. Older vans are positioned in a scale from one to twenty, whereas newer vans are positioned in teams 21 to 50. Essentially whether or not your van is new or outdated, the upper the quantity, the costlier your van shall be to insure. 

Van insurance coverage you may belief

Don’t simply use comparability websites or on-line quotes in your van insurance coverage, as a result of their quotes shall be generated by a pc and might’t be altered.

By speaking to an insurance coverage specialist on the cellphone you may be sure to’re answering all of the questions appropriately, and have somebody in your aspect, serving to discover methods to save lots of you cash and get the easiest cowl.

The finest Adrian Flux van insurance coverage offers are normally achieved over the cellphone — 79.5% of all prospects receiving a web-based quote in July 2020 might have obtained a less expensive quote over the cellphone, based mostly on the knowledge they offered. Call 0800 141 2794 or request a call-back at a time that fits you.

Source hyperlink

Share this post

Leave a Reply

Your email address will not be published.