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Cheap Van Insurance to Lower Your Overheads
From figures from the Driver and Vehicle Licensing Agency, more commonly known as the DVLA and the Motor Insurance Database, referred to as MID there are an estimated two million vehicles driving on the UK roads without insurance.
Car drivers are not the only motorists which fail to have their vehicles insured, vans and lorries are also guilty of driving on the public highways without insurance or with insurance which is inappropriate.
It is a legal obligation to have valid vehicle insurance, those which are caught without face driving bans, penalty points on their licence and even a prison sentence.
The cost to law abiding citizens is estimated to increase insurance policy premiums by up to thirty pounds a year on every policy sold. Those who are unfortunate to be involved in an accident will be covered in most cases by the uninsured drivers agreement between the government and MID. This joint agreement ensures that innocent victims do not go uncompensated if they suffer personal injury or damage to their property which is a result of an accident involving an uninsured driver.
The police have the powers to confiscate and potentially destroy any vehicles which are on the public highway without appropriate insurance. Alternatively they will return vehicles once the fixed penalty fine has been paid and a valid insurance documents produced.
The enormity of the problem has led to much stricter enforcement by the authorities. Therefore anyone who uses a car, van or lorry as a necessary part of their livelihood would be very unwise to drive without valid insurance.
There are a number of different ways to obtain cheap van insurance. The easiest way is to use online insurance brokers or deal directly with insurance companies online by filling out their online forms to obtain quotations.
When providing any details of the driver or drivers of the vehicle it is an offence to deliberately provide false information of any kind. Those who have a poor driving history and/or driving convictions will probably notice a marked increase in the price of the insurance quotation. This is purely because they will be classed as a high risk by the insurers.
The most effective way to lower insurance costs it to accumulate a no claims discount. Insurers reward careful drivers, as such those who have a proven no claims discount of five years will be offered very generous discounts, sometimes as much as 70% discount will be offered off the annual insurance premium.
Owner-drivers will also find they may be offered cheap van insurance rather then having named or unnamed drivers on the policy. Most insurance companies do not offer van insurance under a company name and therefore the owner will have to insure all vehicles under his or her name.
Businesses which operate more than one vehicle may find a fleet insurance policy a great way of making savings. Contact insurance companies to see whether they will offer cheap van insurance and suggest ways to help lower the annual premiums and reduce your business overheads.
Author Resource:-
Staveley Head are a leading UK insurance broker for cheap van insurance
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