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Guide To Van Insurance Northern Ireland
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Last Review June 2023 by Insurancequotesni Editorial Team
One step in finding the best deal on van Insurance NI is comparing the available options. This is true when first taking out an insurance policy, but also when renewal times comes around.
Please note, annual cover should work out cheaper than paying monthly. If you are a small or large business based in Northern Ireland, our partner Quotezone can help you compare available deals with specialist NI insurance brokers. Comparison quotes are available for a single work van or multiple vans under a van fleet NI insurance policy.
The quotezone panel will provide quotes for Northern Ireland's commercial vehicle owners, regardless of your working van usage be it for a builder, a plumber, local florist or mobile hairdresser, we help you compare policy quotations from multiple brokers. Like auto insurance, the policy costs should be reduced by fitting security devices and proving safe overnight parking. www.insurancequotesni.co.uk/ provide a service dedicated to residents of Northern Ireland only.
" If you are able to provide a secure parking overnight example in your driveway or garage inform your insurance broker as this will reduce risk of damage and theft and should reduce your van insurance premium."
The panel of van insurance providers can help with the following:
Commercial NI Van Insurance Categories
Vehicles used and designed for the carriage of goods with a maximum mass of 3,5 tonnes.
Vehicles used and designed for the carriage of goods with a mass exceeding ranging from 3,5 tonnes to 12 tonnes.
Vehicles used and designed for the carriage of goods with a maximum mass over 12 tonnes.
Levels of Van Insurance available
The most basic cover is third party only. This is the legal minimum required by the law. It was traditionally the cheapest, but insurance companies are finding a higher number of claims in this category and prices have increased. Always compare third party with third party fire and theft and fully comprehensive cover. This basic cover will not cover the repair or replacement of your own vehicle following fire, theft or accident.
In addition to providing insurance to cover the costs of the third party, it will also provide financial protection if your vehicle is damaged by fire or for the cost of replacement if it’s stolen and not recovered.
Comprehensive cover Third party Fire and Theft cover plus cover for any damage to your own van in the event of an accident, even if you were at fault. Fully comprehensive policies may also provide minimum third party coverage to a trailer or caravan being towed. Please check with your insurance provider and if you are towing an expensive horsebox or touring caravan consider taking out a separate policy for peace of mind.
Types of NI Van Insurance available
How can I reduce the Cost of Van Insurance NI?
Van Insurance NI Extras
Your work, or your personal requirements may require adding some additional extras to your basic policy. Most brokers will offer these as additional add-ons. The most common ones we have listed below.
Please note some for some it may be more cost-effective to get covered by a specialist insurance provider, take breakdown cover for example. You can add in breakdown cover NI or get quotes from the specialist providers, for example Green Cross, QDOS, AA and the RAC. The specialist may be a cheaper option. The same can apply for wind shield cover.
*51% of consumers could save £491.91 on their Van Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2023. The savings you could achieve are dependent on your individual circumstances.