For those who’re one of many 1000’s of van drivers delivering items on UK roads, you understand how essential your car is to your livelihood. Nonetheless, not all vans are low-cost to insure.
That’s why we have now compiled an inventory of the most affordable vans to insure, in addition to detailing the essential features insurers take a look at when calculating the price of your premium.
Whether or not you utilize your van for private or business use, right here is every little thing it’s essential learn 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 dimension starting from 1360 to 1997CC. The smaller engine dimension 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 best vans round. Nonetheless, a better max payload can push this all the best way 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 also 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 also 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 one in all 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 based mostly on the L2 H1 model.
There are three trims out there: Version, Sportive and Restricted Version Nav. The fundamental Version is designed to cater for fleet consumers, however remains to be fairly nicely geared up, whereas the Sportive and LE Nav vans bump up the package 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 enormous 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, nevertheless, there are plenty 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 house owners plenty of room contained in the cabin. With its modest engine dimension and most payload, the Kangoo falls into Group 2, that means inexpensive insurance coverage premiums.
For many who are in search of a extra environmentally pleasant van, you’re additionally capable of purchase the Kangoo as a totally fledged electrical van.
6. Suzuki Carry
The Suzuki Carry is likely one of the oldest vans on our checklist, however don’t rule it out simply due to its age. This feature is ideal for individuals who drive regionally and round cities due to its slimmer body.
Nonetheless, the Carry does include restricted cupboard space and shall be a problem to those that carry (pardon the pun) heavy tools on their journeys.
7. Fiat Scudo
Created with the assistance of Citroen and Peugeot, the Fiat Scudo is an economical van with a average quantity of load house.
There’s no fancy options with this van, what you see is what you get, but it surely’s nonetheless one of the dependable vans on the street within the UK for small companies.
8. Peugeot Bipper
Good for individuals who keep inside cities and enormous cities, the Peugeot Bipper has a big cargo house to retailer instruments and tools and we suggest this van if you’re seeking to purchase a van on a smaller price range.
The foremost draw back is it’s not a sensible van for these seeking 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 automotive, it’s compact, fuel-efficient and matches 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 dimension it’s restricted for cupboard space.
The Corsavan does nevertheless include all the fashionable expertise you’d count on for a brand new van and has an honest sized payload for individuals who have a small-medium enterprise.
10. Nissan NV200
The Nissan NV200 is likely one of the largest vans on our checklist and is ideal for lengthy journeys or for individuals who want to hold a number of tools with them. The one main downsides are they are often tough to make use of on slim roads in case you’re driving within the countryside, and so they do guzzle various gasoline.
Learn how to get low-cost insurance coverage on your van
Van insurance coverage prices are decided by a spread of various elements, together with private information about your self, reminiscent of your age, how lengthy you have got been driving, your no claims bonus and the place you reside, to call a number of.
Nonetheless, listed here are some pointers that would allow you to discover a van that’s cheaper to insure than you would possibly count on.
The smaller the van the higher
A common 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 definitely’re finest 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 switch, driving your premium decrease.
Inform your insurer in case you modify your van
If in case you have modified your van, or have bought a van that has been modified in a roundabout way, this might trigger the insurance coverage value to drop.
Some modifications can drive down the value of your insurance coverage, so it’s at all times finest to verify with a modification specialist that additionally presents modified van insurance reminiscent of Adrian Flux to see how one can lower your expenses.
The dimensions of your engine could make a giant 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 car to be underpowered for the duties they do frequently, 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 have in mind how costly your van is, as more expensive vans are more likely 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 avenue or in a storage. Having the newest safety features although might help cut back your premium, so make sure you declare these particulars when requested.
Low-cost vans to insure
While the above info might help you slim down your checklist of potential vans to purchase for your self or your business, there are after all some vans which might 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 essential 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 previous, the upper the quantity, the costlier your van shall be to insure.
Discover out extra tips about how to save money on your van insurance in our weblog.
Van insurance coverage you may belief
At Adrian Flux we’re proud to notice that we’ve received the WhatVan? Insurance coverage Firm of the Yr award 4 instances within the final six years, due to our specialist van workforce.
By speaking to an insurance coverage specialist on the cellphone you may be sure you’re answering all of the questions accurately, and have somebody in your facet, serving to discover methods to avoid wasting 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 shall be generated by a pc and may’t be altered.
The most effective Adrian Flux van insurance offers are normally completed over the cellphone. Name 0800 141 2794 or request a call-back at a time that fits you.
