What Are the Most Affordable Vehicles to Insure?

Van Insurance in the UK— As a van driver carrying goods on the roadways of the United Kingdom, you are well aware of how critical your vehicle is to your income. Not all vehicles, on the other hand, are inexpensive to protect.

In order to help you save money on business van insurance, the commercial van insurance experts at Adrian Flux have put together a list of the cheapest vehicles to insure, as well as information on what factors insurers consider when determining the cost of your premium.

The Most Affordable Vehicles to Insure in the UK

The following information is essential for anybody who drives a van for personal or commercial purposes: inexpensive van insurance.

Citroen Berlingo

The Citroen Berlingo is equipped with engines ranging in size from 1360 to 1997CC. It is possible that the smaller engine size will result in a smaller maximum payload, which may be necessary for specific activities. However, because the van is classified as a group one vehicle, it is one of the least expensive and most efficient vehicles available. However, if the maximum payload is increased, this can be pushed all the way up to group eight if necessary.

Ford Fiesta Van

It shouldn’t come as a surprise that the cheapest Ford van to insure is also one of the smallest vehicles available on the market today. In group one, the Fiesta van starts with the 1.5-liter TDCi engine, which comes in either highly economical Econetic or sharp-looking Sport trim levels for the 2013 model year. It has been demoted to a lower category because the 1.25-litre petrol version is also in group 1E – the ‘E’ denotes that it exceeds the security requirements of the safety organization Thatcham. For the 1.6 TDCi Sport, the worst case scenario is a group 2E rating. Our top recommendations for couriers and delivery drivers are also included in this list.

Vauxhall Corsa Van

The Vauxhall Corsa vans are small and compact, and they offer excellent fuel efficiency and performance. The Corsavan, which is based on the normal Corsa automobile, is nimble and easy to maneuver in confined places, making it an excellent choice for small enterprises operating in and around small towns and city centers, as well as for local delivery drivers. If you drive a Corsa van, you will be placed in insurance category one.

Vauxhall Combo

The Vauxhall Combo can be classified as either insurance group one or insurance group four, depending on the model you choose. The Vauxhall Combo is available in two lengths and one roof height (L1 H1 and L2 H1), and a Crew Van based on the L2 H1 version is also available. There are three different trim levels to choose from: Edition, Sportive, and Limited Edition Nav. The entry-level Edition is intended for fleet buyers, but it is still reasonably well-equipped, whilst the Sportive and LE Nav vans increase the amount of equipment available to small- and medium-sized businesses.

How to Get Cheap Van Insurance

Your van insurance premiums are determined by a variety of criteria, including personal information about you, such as your age and driving experience, as well as your no claims bonus and where you live, to mention a few.

However, there are several guidelines that might assist you in finding a vehicle that is less expensive to insure than you might anticipate.

The Smaller the Van the Better

According to a general rule of thumb, the smaller the vehicle, the less expensive it will be to insure it will be. If your job does not necessitate the use of a huge van, it is preferable to get a smaller vehicle. Vans with a single panel are even better because they are frequently less expensive to purchase than their higher-spec counterparts, which means they are less expensive to replace, resulting in lower insurance premiums for you.

Try Not to Modify Your Van

The cost of insurance may increase if you have made modifications to your vehicle or if you purchase a van that has been modified in any way. Insurance for a vehicle that has been modified will typically be more expensive since the insurance may find it difficult to cover the costs of restoring your van to its original condition if your van has been modified in any way from the manufacturer’s specifications.

It’s always a good idea to check with a modification specialist like Adrian Flux to see if there are any methods to save money on your insurance, but some modifications can help you save money.

The Size of Your Engine Can Make a Big Difference

A smaller engine, such as that found in automobiles, frequently results in lower insurance premiums since, in the view of insurance carriers, the less powerful the engine, the lower the likelihood of a claim being filed is.

In order to avoid being underpowered for the duties that a van driver performs on a regular basis, only vans with the lowest engine category that are still capable of doing your required jobs should be considered for acquisition.

How Secure Is Your Van?

In addition, the value of your van will be considered by insurers, as more costly vans are more likely to be stolen than less expensive vans. They will also cross-reference this information with the location where your van is stored overnight, whether it is on your driveway, in the street, or in a garage, if applicable. The most recent security features, on the other hand, can help you save money on your insurance premium, so be sure to disclose this information when asked.

Cheap Vans to Insure

While the information provided above can assist you in narrowing down your list of potential van purchases, there are some vans that are considered to be the most cost-effective to insure based on this information. Although the characteristics listed above can be beneficial, it is crucial to realize that your own driving history can have an impact on your insurance premiums.

In addition, once the aforementioned considerations have been taken into account, the Association of British Insurers (ABI) assigns each van to one of 50 insurance groups, ranging from one to fifty dollars per day of operation. Previously owned vans are grouped together in groups ranging from one to twenty, while newly purchased vans are grouped together in groups ranging from twenty to fifty. Essentially, regardless of whether your vehicle is new or old, the higher the number, the more expensive it will be to insure your van will be.

Conclusion

If you need van insurance, don’t rely on comparison websites or online quotes alone. These quotes will be generated by a computer and will be impossible to modify.

If you speak with an insurance consultant over the phone, you can be certain that you’re answering all of the questions correctly and that you have someone on your side who can assist you in finding ways to save money while still receiving the greatest possible coverage.

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