With the current economic struggle showing no signs of letting up, the old adage of ‘every penny matters’ could not be more appropriate. Here at Van Compare we will save you far more than just pennies with our guide to helping you find cheap van insurance for your campervan.
First things first, the degree of cover; should you go third party or fully comprehensive?
If price is your only consideration then third party is the way to go. This type of cover is designed to protect only other road users, offering no financial support for the costs you incur. So simply put, if you cause an accident you’re in trouble, however, if you are involved in an accident which is the fault of a third party, no problem, as your claim will be made against their policy. So essentially, if you trust yourself not to be the cause of an accident, and are looking for a cheap van insurance policy for your campervan, then third party is the way to go.
Raising the excess
Again, it’s all about weighing up the risks. If you raise the excess you would be liable to pay in the event of a claim, then you will receive a cheap van insurance premium. However, what happens when it’s time to make a claim on your cheap van insurance policy? Well obviously you’re going to be out of pocket.
The very essence of a campervan means it is unlikely to be driven at rush hour on busy roads or in congested cities, all of which are accident black spots. If you are trundling around the coastal roads of rural Devon or Cornwall then the likelihood of being involved in an accident is drastically reduced. So with this in mind, if you think you are highly unlikely to be the cause of an accident then raising the excess is an excellent way of finding a cheap van insurance quote.
In the majority of cases a driver has to be over the age of 21 to take out campervan insurance. This, along with the fact that campervans are used primarily for holidaying and do not rack up a large amount of miles means finding cheap van insurance for your campervan is not all that difficult. However, putting in place formal policy exclusions may help to lower the cost of the premium furthermore. A limit to the number of miles can be set which will reduce the cost of your quote. Be careful with this though, as if you exceed the number of miles stated you will nullify your policy.
Some policies may also not allow you to travel abroad or on unsealed roads so make sure you fully understand the cheap van insurance policy before you buy.
Actually on second thoughts don’t bother. Just tap in your details here at Van Compare and we’ll do all the hard work for you. We’ll scour over 20 of the nation’s leading insurers to bring you cheap van insurance quotes for your campervan, saving you time, and of course some money too.
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