In the event you’re one of many 1000’s of van drivers delivering items on UK roads, you know the way vital your automobile is to your livelihood. Nevertheless, not all vans are low-cost to insure.
That’s why we’ve got compiled a listing of the most affordable vans to insure, in addition to detailing the vital facets insurers take a look at when calculating the price of your premium.
Whether or not you employ your van for private or business use, right here is all the things you have to find out about low-cost insurance coverage for vans.
Most cost-effective vans to insure within the UK
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 however with the van being positioned in group one, it makes it one of many most cost-effective most effective vans round. Nevertheless, a better 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 yr 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. It’s certainly one of our top picks for couriers and delivery drivers too! It’s additionally an ideal van for younger drivers too.
3. Vauxhall Combo
Relying 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 primarily based on the L2 H1 model.
There are three trims out there: Version, Sportive and Restricted Version Nav. The essential Version is designed to cater for fleet patrons, however remains to be fairly nicely outfitted, whereas the Sportive and LE Nav vans bump up the equipment rely for smaller enterprise customers.
4. Citroen Nemo
The Citroen Nemo is one other compact van that’s excellent for individuals who don’t want to hold big payloads, however nonetheless is available in as barely bigger than the Berling, and is positioned in insurance coverage teams 2 to 4.
You won’t be able to purchase this van new, nonetheless, there are a variety of second-hand choices available on the market, and it’s low-cost to run for individuals who make small journeys with out the necessity of getting a big van.
5. Renault Kangoo
The Renault Kangoo falls into the medium-sized van class and presents homeowners a variety of room contained in the cabin. With its modest engine measurement and most payload, the Kangoo falls into Group 2, which means inexpensive insurance coverage premiums.
For many who are searching for a extra environmentally pleasant van, you’re additionally in a position to purchase the Kangoo as a completely fledged electrical van.
6. Suzuki Carry
The Suzuki Carry is without doubt one of the oldest vans on our listing, however don’t rule it out simply due to its age. This feature is ideal for individuals who drive domestically and round cities because of its slimmer body.
Nevertheless, the Carry does include restricted space for storing and will probably be a problem to those that carry (pardon the pun) heavy gear on their journeys.
7. Fiat Scudo
Created with the assistance of Citroen and Peugeot, the Fiat Scudo is an economical van with a reasonable quantity of load area.
There’s no fancy options with this van, what you see is what you get, however it’s nonetheless one of the crucial dependable vans on the street within the UK for small companies.
8. Peugeot Bipper
Excellent for individuals who keep inside cities and huge cities, the Peugeot Bipper has a big cargo area to retailer instruments and gear and we suggest this van in case you are trying to purchase a van on a smaller price range.
The main draw back is it’s not a sensible van for these trying to journey lengthy distances, or those that require motorway driving to get to work.
9. Vauxhall Corsavan
The Vauxhall Corsavan is a spinoff of the uber-popular Corsa automobile, it’s compact, fuel-efficient and suits into class 1 for insurance coverage, making it inexpensive to all. The small nature of this van makes it agile and nice for cities, however as soon as once more as a result of measurement it’s restricted for space for storing.
The Corsavan does nonetheless include the entire fashionable expertise you’ll count on for a brand new van and has a good sized payload for individuals who have a small-medium enterprise.
10. Nissan NV200
The Nissan NV200 is without doubt one of the largest vans on our listing and is ideal for lengthy journeys or for individuals who want to hold numerous gear with them. The one main downsides are they are often difficult to make use of on slender roads in the event you’re driving within the countryside, they usually do guzzle various gasoline.
Learn how to get low-cost insurance coverage on your van
Van insurance coverage prices are decided by a variety of various elements, together with private information about your self, equivalent to your age, how lengthy you have got been driving, your no claims bonus and the place you reside, to call a couple of.
Nevertheless, listed below are some pointers that might provide help to discover a van that’s 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 it is going to be to insure. In case your job doesn’t require you to make use of a big van, then you definately’re greatest off shopping for a smaller one. Entry-level vans with a single panel are even higher as they’re typically cheaper to purchase than their higher-spec counterparts, which suggests they’re cheaper to exchange, driving your premium decrease.
Inform your insurer in the event you modify your van
You probably have modified your van, or have bought a van that has been modified indirectly, this might trigger the insurance coverage value to drop.
Some modifications can drive down the worth of your insurance coverage, so it’s all the time greatest to examine with a modification specialist that additionally presents modified van insurance equivalent to Adrian Flux to see how one can lower your expenses.
The dimensions of your engine could make an enormous distinction
A smaller engine, as with vehicles, typically signifies that insurance coverage premiums are cheaper as, within the eyes of insurance coverage suppliers, the much less highly effective the engine the much less threat of a declare being made.
The very last thing {that a} van driver wants is their automobile to be underpowered for the duties they do commonly, 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 also consider how costly your van is, as more expensive vans are more likely to be stolen. They may also 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 newest security measures although might help cut back your premium, so you should definitely declare these particulars when requested.
Low-cost vans to insure
While the above info might help you slender down your listing of potential vans to purchase for your self or your business, there are in fact some vans which can be seen as the most affordable to insure. The above elements might help, however it is very important keep in mind that your personal driving historical past can have an effect on your insurance coverage premium.
One other vital factor to notice is as soon as the above elements 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. Primarily whether or not your van is new or outdated, the upper the quantity, the costlier your van will probably be to insure.
Discover out extra tips about how to save money on your van insurance in our weblog.
Van insurance coverage you’ll be able to belief
At Adrian Flux we’re proud to notice that we’ve received the WhatVan? Insurance coverage Firm of the 12 months award 4 instances within the final six years, because of our specialist van group.
By speaking to an insurance coverage specialist on the telephone you’ll be able to 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.
Don’t simply use comparability websites or on-line quotes on your van insurance coverage, as a result of their quotes will probably be generated by a pc and might’t be altered.
One of the best Adrian Flux van insurance offers are normally executed over the telephone. Name 0800 141 2794 or request a call-back at a time that fits you.
