These days things are a little easier for those that want to get more cost effective cover, as  to compare insurance is something that can be done with speed and ease via the Internet. With the power of the Internet at your fingertips you can conduct commercial van insurance comparison for low cost insurance without any hassle and from the comfort of your own home, which means that you save yourself a lot of inconvenience.

In fact, there are many benefits to running a commercial van comparison online, which is why more and more people are using this method of finding affordable insurance cover for their van. The Internet has revolutionized the way we do many things, including the way in which we try and find great deals on services and products such as vehicle insurance.

The benefits of online commercial van insurance for cheaper cover

If you use the Internet to run your commercial van comparison for cheaper insurance cover you will most likely find the process far less stressful, much quicker, more manageable, and far more convenient. There are many benefits that you will get from looking for affordable van insurance online, which includes:

• The ease and convenience of being able to run a commercial van comparison for cheaper insurance cover from the comfort and privacy of your own home

• The ability to look for affordable cover at a time that fits in with your schedule and lifestyle rather than when insurance offices are open

• Being able to compare van insurance plans at a glance without having to spend hours glued to the phone calling one provider after another

• Being able to get access to some great deals from a range of providers and sometimes even get access to internet exclusive deals, which could save you some money on the cost of your cover

• The ability to speed up the search for affordable van insurance and find the right cover at the right price more quickly and efficiently

• Being able to enjoy a great choice of providers when you conduct a commercial van comparison to find low cost cover, as many providers now operate online

Saving additional time when looking for van insurance

If you need to save even more time when it comes to finding low cost cover for your van you can leave it to us to help you get cheap commercial van insurance quotes from a range of providers. You can then do a commercial van comparison from amongst the range of quotes that you get to see which offers value for money as well as adequate protection.

A poll in December 2010 by Virgin Money found that almost half of Brits didn’t compare insurance quotes before taking out cover. Considering that the Daily Telegraph reports that ‘the Association of British Insurers (ABI) says you can save 35 per cent by comparing as few as five insurance providers’ you don’t even have to do a lot of shopping around to find a cheap van insurance quote.

Our guide looks at why shopping around can help you secure lower cost insurance.

Don’t automatically renew with your insurer.

When buying van insurance, many people simply renew their policy with their existing insurer. Research in winter 2010 published in the Daily Telegraph found that the average insurance customer will actually accept a rise of 8 per cent in their annual premiums before they decide to switch to a more competitive deal.

However, your existing insurer may not offer the most competitive premiums. Insurers often offer discounts and incentives to attract new business and you may find that using a comparison website such as ours can help you find a better value cheap van insurance quote.

Don’t accept the first quote you get.

When buying van insurance it can be tempting to obtain a quotation which appears reasonable and save yourself time by buying that cover straight away.

However, without comparing the costs of cover between a range of insurers it is difficult to know whether you’re actually getting a good deal or not. It only takes a few minutes to obtain a van insurance comparison using our website and it could help you to save money on your premium. Why not try it today?

Don’t compromise on cover.

While many people seek to obtain the best price for their insurance, getting a cheap van insurance quote isn’t necessarily the be all and end all. Many experts also recommend that you check out the quality of the insurance cover before you buy.

Ian Crowder, from AA Financial Services, says it’s important to look carefully at what is actually being offered. He told the Guardian: “You need to understand what you’re being quoted for. Many companies on comparison sites will strip out certain elements of cover and raise excesses to keep quotes down.”

Mike Powell from Defaqto agrees: “To ensure they get the right type and level of cover…people need to focus first and foremost on pinpointing the features they need from an insurance policy and identifying the policies that provide that cover.”

Most van insurance comparison sites allow you to compare both the price of cover and the benefits of various policies. Don’t automatically choose the cheapest policy – as Mr Powell adds: “buying the cheapest cover available could end up being the most expensive option if it doesn’t provide adequate cover.”

Whatever your needs, ‘business van insurance any driver’ policies could be the perfect answer to your insurance needs. Our guide looks at what these policies cover and how they can benefit you.

What is a ‘business van insurance any driver’ policy?

A business van insurance any driver policy does exactly what the name suggests. Rather than insuring an individual to drive any vehicle, it provides insurance for a van – whoever is driving it.

When would I need any driver van insurance cover?

The main benefit of having a business ‘any driver’ policy is that it gives you flexibility in terms of how you manage your vans and commercial vehicles.

Using this type of policy, your vans can be used at any time by anybody. By having all your employees who are likely to be driving the van named on the policy, you can be sure that you are covered.

Situations where business van insurance any driver policies would be useful include:

• If you have a fleet of commercial vehicles used by different drivers
• If your van is being taken on a long trip and the driving will be shared between different drivers
• If you have multiple people who drive your van
• If you hire your van out to family, friends or clients on a regular basis

What cover is available?

There are typically three main types of cover available when you buy any driver van insurance:
• Third party – this covers damage to a third party’s vehicle or property and/or medical expenses for others involved in an accident
• Third party, fire and theft – as above but cover is included for theft of your van or a fire
• Comprehensive – as above but also covers loss of or damage to your own van, whether caused by fire, vandalism, an accident

Comprehensive insurance generally covers the widest range of risks although it is also normally the most expensive type of policy.

Where do I buy any driver business van insurance?

Van insurance is a specialist area and is not always available on the High Street. To find the right cover at the right price, more and more people are heading online to buy their van insurance.

Van insurance comparison websites such as ours let you obtain a range of any driver business van insurance quotes from a panel of leading providers in just a matter of minutes. You can then compare the costs and quality of cover before deciding which policy to buy.

So, why not get your quotes today?

If you are a delivery driver or courier, finding the right insurance is crucial. And, that doesn’t just involve finding the lowest premium but also making sure that you have the right standard of cover for you.
Our guide looks at three things that you may want to consider including on your courier van insurance policy.

1: Cover for goods in transit.

A 2009 survey for Direct Line revealed that 21 vans are broken into every single hour in the UK. The insurer found that 560,000 vans had been broken into in the preceding three years and many drivers do not realise that the contents of their vehicles are not necessarily covered in this event.
Simon Henrick from Direct Line for Business said: “There are over 185,000 vans being broken into a year in the UK, and many drivers are making it an easy earner for thieves. Only 33 per cent of drivers we asked had the relevant insurance to cover their contents. The loss of your tools or stock can have a severe impact on your business and not having those covered makes it far more costly than it needs to be.”
The AA survey found that the average value of the contents of a commercial van was £1,382 although if you’re a courier or delivery driver the value could be significantly in excess of this – particularly if it is early in your day.

Could you afford to replace the cost of the goods in your van? If not, you should consider including ‘goods in transit’ with your courier van insurance.

2: Replacement vehicle.

If you are a courier or delivery driver, the chances are that your van is your livelihood. So, if you were involved in an accident and your van was off the road – or your van was stolen – would you be able to carry on working?

For many courier van drivers, including replacement vehicle cover on their policy is crucial. This ensures that you have the temporary use of a replacement van whilst your vehicle is repaired or whilst your claim is processed if your van is stolen.

Including this cover could mean that you can continue working so you’re not out of pocket.

3: Legal expenses.

Many van drivers also include legal expenses cover with their courier van insurance. This provides both expertise and financial assistance to recover uninsured losses such as medical costs and loss of earnings where you have been in an accident that was not your fault. Most insurance policies allow you to include this cover.

If so, many experts recommend that you consider the quality of the cover on offer as well as simply looking at the price. Mike Powell from financial analysts Defaqto says: “people need to focus first and foremost on pinpointing the features they need from an insurance policy and identifying the policies that provide that cover.”

So, if you’re researching commercial van insurance, here are some of the risks you may want to consider including in your cover.

1: Theft.

Van theft remains a major problem in the UK. Indeed, figures from the ACPO Vehicle Crime Intelligence Service show that the Ford Transit is the most stolen vehicle in the UK with the Mercedes Benz Sprinter in 8th place.

Could you manage without your van if it was stolen? That chances are the answer would be ‘no’. An AA survey in 2007 found that 59 per cent of drivers believe their van is essential to the smooth running of their business and 24 per cent said that they would lose significant money (on average £362 per day) if their van was not available for a day or longer.

2: Accident.

Just as you may not be able to manage if one or more of your employees were off work sick, you may also not be able to cope if one or more of your commercial vehicles were off the road.

When researching insurance, you may want to ensure that you are fully protected in the event of an accident. That may include cover for your own vehicle as well as a third party and you might also want to consider including ‘replacement vehicle’ cover to ensure a van is provided to you whilst yours is out of action.

3: Theft of contents.

The AA revealed in 2007 that the average value of the contents of a commercial van was £1,382. And, if you run a courier or delivery service or your tools remain in your van, the value of the contents could be significantly in excess of this.

So, you may want to consider including ‘theft of contents’ cover when looking for commercial van insurance quotes. This will help you avoid being out of pocket in the event that yours is one of the 185,000 vans that are broken into in the UK every year.

4: Legal Expenses.

When searching for commercial van insurance quotes, many people also include legal expenses cover as part of their policy.

Legal expenses cover provides expertise and assistance if you have to recover uninsured losses such as excess payments, medical costs and any loss of earnings where the fault was not yours.

A 2007 survey for the AA found that UK van drivers like to involve their vehicle out of hours. 13 per cent of respondents even preferred their van to their car, whilst over half used their van on a day to day basis for shopping, almost a quarter use their van for road trips and over a third use it for moving home. Over five per cent of people have even admitted to having ‘romantic liaisons’ in their van!

Your van may be your pride and joy and so it’s important that you have the right cover to protect it. Our guide will help you buy cheap private van insurance.

Head online for low cost quotes.

One way to find great value private van insurance is to head online. Internet comparison sites allow you to compare the costs and benefits of insurance with a number of leading providers.

But how can this help you save money? Well, the Association of British Insurers says that you can save 35 per cent on your premiums by comparing as few as five insurance providers. With most websites offering prices from dozens of leading insurers, they can help you find the right cover at the right price. Why not get a quote from us today?

Tips for keeping the cost of your van insurance down.

There are several ways that you can keep the cost of your private van insurance at a minimum. These include:

• Increasing your policy excess
• Making sure you have insurer approves security measures fitted to your van
• Not automatically renewing your insurance with your current provider
• Drive carefully so as to reduce your risk of making a claim
• Don’t pay by direct debit (the Daily Telegraph says that this ‘can add 10%-25% to your premium’)

Don’t compromise on your cover.

While finding cheap private van insurance may be your priority, many experts recommend that you don’t simply buy the cheapest policy that is available. The quality of cover varies significantly from company to company and you should make sure that you get the appropriate protection as well as saving money.
The Association of British Insurers says: “Make sure that you don’t just buy on price, but on the policy that meets your needs, and if buying online check the details of the cover” while Kara Gammell in the Daily Telegraph says: “Keep in mind that it is possible to get affordable insurance without compromising on the quality of the cover.”

When buying private van insurance, it is worth considering whether to include:

• Theft of contents cover – the AA found that the average value of the contents of a commercial van were £1,382 and so you may want to protect your belongings
• Replacement vehicle – will your insurance give you a temporary van while yours is off the road?
• Legal expenses – does your insurance cover the legal costs of making a claim against a third party?