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HOW YOU CAN SAVE MONEY ON YOUNG DRIVERS VAN INSURANCE
In Northern Ireland, young drivers that are new to the road can without a doubt expect to pay high insurance premiums for anything from third party to comprehensive. It is one of those unavoidable facts of life.
The insurance provider will calculate the premium based on how likely it is that an individual will make a claim. Statistics will show that drivers between the ages of 18-25 are far more likely to be involved in an accident than other age groups. Simply put, claims cost insurance companies money. The more risk that you pose, the higher the premium will be.
For a young driver, insurance at times can be painfully expensive. This is fact, whether it is basic passenger car cover, or Young Drivers Van Insurance. That being said, there are some things that drivers under 25 can do to obtain cheaper van insurance.
Add additional named drivers
Perhaps, another individual who has not only more experience, but a good driving record will be driving your van. Consider adding them as a named driver on your policy. Sometimes, adding another driver that is considered to be a lower risk can benefit you by lowering your premium. It is a good idea to compare different named drivers, and understand what difference they will make on your Young Drivers Van Insurance policy. At times, adding a third driver can reduce your premium eve further. Keep in mind, that any named drivers that you may add, must genially drive your van. There are severe penalties for fraud.
Reduce your risk
Focus your attention on security. Increase the security of your van, as well as lower its chances of being stolen by installing an alarm or immobiliser.
Park your van in a safe place
Give consideration to where you park your van at night. This in itself can make a big difference in your premium here in Northern Ireland. Parking on the street is considered higher risk than using a private drive or garage.
Drive less miles
If possible, reduce your annual mileage. Remember, from an insurance provider point of view, less miles means less chance of an accident.
Consider a higher excess
Take a close look at the voluntary excess amount. This is the amount you contribute to any claim. Should you increase the voluntary excess on your Young Drivers Insurance policy, you very well might be able to lower your premium. It is imperative that you weigh-out the pros and cons of doing this. Be sure that you can comfortably afford to pay this excess amount in the event of you needing to make a claim.
Take your time
You can almost always save money on your Young Drivers Van Insurance here in Northern Ireland by taking the time to shop around. Make it a point to not just pounce on the cheapest Young Driver Van insurance quote you find in Northern Ireland. Give thought to any additional cover that may be needed. A courtesy van, along with breakdown and tools in transit cover, are often well worth the additional premium. The latter can be especially useful should you carry expensive equipment in your van, as it can at times be a target for theft.