When you decide on van insurance, there are certain factors to be taken into consideration. Among them that figures highly is the model of the van you drive. This is a major determinant of the premium you will have to pay. A more expensive van will obviously attract a larger premium.
When we speak of a van as distinguished from a car, we mean any vehicle larger and taller than, say,
a car, which can accommodate a group of people, around eight or more, along with goods. In the UK, a van refers to a large vehicle used for cargo. These vans are often used by transportation companies than by the general public. These vans thus serve a special professional purpose. If instead of goods, it is used to carry people, it is more likely to be referred to as a minibus.
What matters more to serve among the various criteria for insurance premium by the insurance provider companies, is the function a van serves which determines the different possibility of wear and tear and the road dangers it faces. As a rule, the minivan mentioned above, is built to sustain more shock as much as to survive a collision. The reasons are obvious. Since it carries passengers, it also faces less chances of accidents because of any driver’s tendency to drive more responsibly for the sake of the lives of his/her passengers. It is somewhat obvious then that the insurance costs of the minivan would tend to be lesser. This is one aspect in which a van insurance differs from a car insurance.
If you want a van insurance, the advisable thing to do is to visit the websites of some good insurance provider sites in the UK and to compare the premiums as well as the fine prints within the insurance clauses to avoid confusion later on. It would also be advisable to research about van insurance and of course, to know what kind of premium your van model is likely to attract as per previous records.