In the majority of countries and states it will be illegal to drive a vehicle without the required insurance cover. Even if this is not the case in your country, it still leaves you open to be sued by third parties in case of an accident. With the huge variety of van insurance policies available to suit all needs and budget ranges, you really should not even consider driving without insurance.

The use to which the vehicle is being put has an effect on the type of policy you will need. A van used mainly for private purposes requires a different policy from one that is being used for business purposes. If you have a fleet of vehicles, you also qualify for special discounts.

The lowest cost kind of policy on the market is the well-know third party, fire and theft policy. With such a policy damage to your own vehicle is not covered when you are involved in an accident. Only damage to the property of third parties is covered. Your vehicle will, however, be covered if it is stolen or damaged in a fire.

The majority of policies will cover the replacement of keys, windscreens, van fixtures, tools, audio equipment and locks. If you drive a van without audio equipment therefore, you could probably save some money by finding a policy that specifically excludes this type of equipment. The same goes for breakdown insurance and legal insurance – if you feel you don’t need it, you should pay less.

A no-claim bonus is an easy way to negotiate discounts on your vehicle insurance. If you, for example, have a no-claim bonus on an existing vehicle and you subsequently need insurance for another vehicle, the insurers will very often mirror the no-claim bonus onto the new policy. This can make a substantial difference to your monthly premiums.

Many people don’t keep in mind that their van insurance premiums are determined to a large extent the day when they buy the vehicle. The higher the price of the vehicle and the bigger the size of its engine, the higher the insurance premiums will be. It doesn’t make a lot of sense therefore to buy a more expensive vehicle or one with a bigger engine than what you really need.

Now you can compare van insurance fast and easy! Get complete information and details about how to get a van insurance comparison from the top insurance providers today!