Any Driver Van Insurance
If you run a business and rely on several of your employees to get to a work-site or to transport goods from place to place, you will need a van insurance policy that covers more than one driver.
Similarly, if you have a private van which you want several family members to drive, you will need a policy which covers all of them.
Choosing an any driver van insurance policy will provide you with much more flexibility than just having cover for an individual driver. This is because, as its name suggests, any driver named on the policy will be able to drive your van at any time.
You can usually insure up to four named drivers on an any driver van insurance policy. This means that, if one person is unavailable to drive the van, someone else can step in, potentially saving you both time and money.
Bear in mind that as you are covering several different drivers on the same policy, the cost of premiums will be higher than if you were insuring just one person. On the plus side, however, the ‘any driver’ option will usually work out to be better value than arranging a series of separate policies for each individual driver with a particular vehicle.
As with any kind of motor insurance cover, insurers providing any driver van insurance will base their premiums on age and driving experience.
Young driver van insurance premiums tend to be more expensive because they are statistically more likely to be involved in accidents, so if you are including anyone aged below 25 with limited driving experience on your any driver policy, this will bump up the cost of your any driver van insurance policy.
If, however, you can restrict your list of named drivers to individuals aged over 25 you should be able to secure cheaper cover.
If this is impossible, then ensuring they are at least over the age of 21 will help, but any driver van insurance premiums will still be much more expensive than for older drivers.
Remember, too, that how you use your van will have a huge impact on any driver van insurance cover. For example, if your van is for domestic use only, premiums will be a lot less if you are using the van commercially to transport other people’s goods for payment, and are effectively a delivery driver, or if you are taking equipment to a place of work away from your base. This type of cover is known as ‘haulage’ or ‘hire and reward’ cover.
The size and weight of the van will also determine how high your premiums will be, as the heavier the vehicle is, the harder it is to drive. This means owners of larger vans are usually charged higher van insurance premiums as they are considered a higher risk than relatively small vans.
Get cheap any driver van insurance quotes
When looking for any driver van insurance, always compare quotes from several different providers to ensure you find the cheapest van insurance cover possible. MoneySupermarket’s van insurance comparison site can put your details in front of some of the country’s leading van insurers so that you can find the right policy to suit your individual requirements.
Taking steps to make your van more secure can also help bring van insurance premiums down. For example, if you are able to park your vehicle in a garage overnight and can install an alarm and immobiliser, you will usually be offered cheaper van insurance quotes than if it is parked by the side of the road.
Paying a large voluntary excess – the portion of any insurance claim you opt to pay yourself – can result in lower premiums too, but you must set it at a level you can afford. Remember that the voluntary excess will sit on top of the mandatory excess that is included on all motor policies to deter claims for relatively low amounts that cost a lot to administer.