The world around us is replete with cliche and ridden with stereotypes, which might just be a reflection on how lazy our own thought processes are, in that we can’t be bothered to find out for ourselves what people are like when we can easily drop them into a box! One of the most pervading cliches is that of the “white van man”, a rude, brusque personage who drives as if he owns the road, speeding to and fro with little regard to the rest of the road-going public. Like most stereotypes, it isn’t true, and I suppose it could be said that the van is a lot more important to how this nation works than we might initally realise, especially in the world of work, and are so on the road all the time.

Being as vans are primarily used as work vehicles, they have their own van insurance northern ireland policies set up specifically to cater to what they might well be used for. The question is, how do you go about trying to minimise the price of your policy without sacrificing just what you need to be covered?

First of all, you should try and only get as bigger van as you will need for the kind of work you intend to use the van for. Vans that are lighter and with a smaller engine tend to fall into a lower band for insurance. In an overall sense, insurance is all down to the actuary, and if you can reduce the risk in any way, you should see a reduction in the rate of your premium. So, if you were to buy a van with, or fit, an alarm and immobiliser, and maybe even extra locks, you would be making your van and livelihood safer and therefore see a reduction in price. Also back your van up tight to a wall at night so the doors can’t be opened without moving the vehicle.

Another thing you should consider is the people who you want to insure to drive the van. It is noticeable across all insurance but particularly in van insurance, that anyone with convictions or who is under the age of 25 is seen as a higher risk, and therefore your price will go up.

Finally, you should always read the small print of your policy to make sure you are properly covered. As mentioned before, most people will be using their vans for work, and a lot of people’s work entails carrying around a lot of expensive tools and gear. In this way, you might have to, if you have equipment that is worth a lot of money, take out a separate contents van insurance northern ireland, to make sure you are fully covered.

Having said all this, there is one final thing that can help you get a good deal, and it is something you probably already know about. Price comparison websites have become very popular in recent times, and it is due to their ease of use. All you do is input the details of the policy you want and the search engine will find the best deals for you. This obviously saves a lot of legwork, and can even save you a lot of money too.