Cheap Van Insurance for Young Drivers

• Your Van

  including the age, payload capacity, value, and engine size. Bigger, more powerful vans should be avoided for drivers under the age of 25 for obvious reasons.

• Information About You

  Your age, gender, where you live and how long you have held your licence are key factors the insurer will take into consideration, as well as any claims, points or other driving convictions you may have.

• Your Level of Cover

  There are different levels of cover available from fully comprehensive to third party only. Cover will generally increase in cost along with the level of protection being offered.

With the statistics mounting up against you, it may seem like getting a good deal on Van insurance for Young drivers is an uphill battle. Thankfully, there are some additional steps you can take to lower your insurance. Read our in-depth guide; Top tips to Lower the Cost of Van Insurance.

• Aim for a low insurance group

  this is easy. Don’t buy a van that’s bigger than what you need it for and keep the engine size low until you have built up a good few years’ no claims. Less power means less risk and will help to reduce your Van insurance costs.

• Voluntary Excess

  by increasing your voluntary excess, you could lower your annual premium. But be warned, in the event you make a claim, you will need to make sure you can afford to pay both the compulsory excess AND the voluntary excess.

• Avoid Modifications

  As tempting as it is for a young driver, changing the looks or performance of your Van is a bad idea so don’t do it. In the eyes of the insurance company, modifications, especially ones that increase performance will simply increase the risk of accident. This is a sure-fire way to raise your premium and if you lie about it, your insurance could become void in the event you need to make a claim.

• Adding a named driver

  Adding an older, more experienced driver to your policy could help bring the premium down. However, as a word of warning, don’t pretend that they are the main driver. This is called fronting and it’s illegal. You also won’t benefit from any no claims bonus as a named driver.

• Extra Security

  adding extra or upgraded security features to your van such as alarms and immobilisers or deadlocks can help bring down the cost of your cover.

• Fitting a black box

  fitting a black box to your Van can monitor your driving and encourage you to drive sensibly and safely. As your premium would be based on how well you drive, you could end up saving money.

• Compare, compare, compare!

  you can never gather enough quotes as a young driver. Even if you are due for renewal, shop around. The company with the best price last year, may not be this year. You should never have an automatic auto-renewal for your van insurance.

• Not wearing a seatbelt

  Always wear your seatbelt. If you are caught not wearing a seatbelt, you will be fined, reported, and prosecuted for the offence. You will receive points on your licence which will contribute heavily to an increase in your insurance premium.

• Speeding

  Stick to the speed limits for your own safety and that of other road users. If you get caught going over the speed limit, you will receive a fine and points on your licence. In extreme cases, you could even lose your licence.

• Using a mobile phone when driving

  It’s illegal to use your mobile phone while driving. You risk not only getting a fine and some penalty points but could also cause a serious accident. Get a hands-free kit or better still, just don’t use your phone while behind the wheel.

• Driving under the influence

  Driving under the influence of alcohol or drugs has serious consequences. Not only will you receive a hefty fine, points and a lengthy ban, but you could be responsible for someone’s death. If you lose your licence, you will likely lose your job as well. Just don’t do it.