Young Driver Van Insurance in the UK

As a young driver, finding van insurance can be a difficult and expensive task. Many insurance companies consider drivers under the age of 25 to be a higher risk and charge higher premiums accordingly. Fortunately, there are a few ways to reduce the cost of van insurance for young drivers. Read on to find out how you can find the best deal for young driver van insurance in the UK.

1. Choose the right van

When it comes to van insurance, the type of van you choose to insure will have an impact on the cost. Generally, the newer the van, the more expensive the insurance. A van with a larger engine will also be more expensive to insure. So, if you’re a young driver looking for van insurance, it’s wise to choose an older model with a smaller engine to save money.

2. Choose a lower level of insurance

When it comes to van insurance, you have the option to choose a lower level of insurance, such as third-party only or third-party, fire and theft. These levels of insurance are less comprehensive than fully comprehensive insurance, but they can be significantly cheaper. If you’re a young driver looking to save money on van insurance, opting for a lower level of insurance could be the best way to do it.

3. Consider a telematics policy

A telematics policy is a type of Van insurance that uses a device to track your driving habits. This device monitors how you drive, such as how fast you accelerate and brake, and then sends the data back to the insurance company. If you prove to be a safe and responsible driver, you can get a discount on your premium. Telematics policies are particularly useful for young drivers, as they can help you to save money on your van insurance.

4. Increase your voluntary excess

Increasing your voluntary excess can help to reduce the cost of your van insurance premium. Your voluntary excess is the amount that you agree to pay if you make a claim. By agreeing to pay a higher voluntary excess, you can get a discount on your premium. However, it’s important to bear in mind that if you do make a claim, you’ll need to pay the excess amount.

5. Look for discounts

Many insurance companies offer discounts to young drivers. For example, some companies will offer a discount if you’ve taken a safe driving course or if you’ve passed your driving test within the last year. Look out for these discounts when looking for van insurance, as they can help to reduce the cost of your premium.

6. Shop around

When looking for van insurance, it’s important to shop around and compare quotes from different insurers. Different insurers will offer different levels of cover at different prices, so it’s important to compare them to find the best deal. And don’t just compare on price – look for the level of cover that you need, too.

Conclusion

Finding van insurance as a young driver can be a difficult and expensive task. However, there are a few ways to reduce the cost, such as choosing the right van, opting for a lower level of cover, considering a telematics policy, increasing your voluntary excess and looking for discounts. And, of course, you should always shop around and compare quotes to find the best deal.