No Deposit Van Insurance

HINTS & TIPS

  • USE ALL THE LINKS - Unfortunately, the number of insurers offering van insurance without the need for an initial deposit are few and far between. This is because people in the past have bought the policy online with no intention of ever paying any premium. Remember, you are entering into an annual contract with the insurer, and your premium must still be paid. No deposit van insurance is not an excuse not to pay for your insurance, it is merely a tool enabling you to buy online without the need for a large initial sum.
  • COVER TYPE - The majority of insurer's minimum cover is 'third party fire & theft'. Therefore, do not assume that 'third party only' policies are cheaper, as there are far less quotes to choose from and you're restricting your market choice. Likewise, some insurers only offer comprehensive car insurance, and some have a large 'age of vehicle' discount built in to their rates. So, your cheapest option may be comprehensive, even though third party only cover is adequate for your requirements. On the other hand, if your van is not worth a huge amount of money, consider third party fire & theft instead of comprehensive.
  • DRIVERS - 'Any Driver' policies are expensive, because insurers prefer to know exactly who is likely to drive the vehicle. Therefore, unless you need any driver (because there are a large number of 'pool' drivers etc) restrict the number of drivers on the policy. Your van insurance will almost certainly be cheaper the fewer drivers you have.
  • EXCESS - The vast majority of companies have a 'compulsory excess' built in to their policy, normally £100.00. This is the amount YOU contribute towards a claim. You can reduce your premium by opting for a 'voluntary excess' which is added to the compulsory excess. You can buy a completely seperate 'Excess Protection' policy for almost definitely less than the difference between quotes with and without a voluntary excess. In other words, you can save money on your premium, but end up paying ZERO EXCESS if you do have a claim!
  • LEGAL COVER - All insurers will try to tempt you into taking their 'Legal Cover', or 'Motor Legal Protection' and some are charging over £35.00 for this add-on. It can prove to be invaluable if you do have a non-fault accident, but there is absolutely no need to purchase it with your motor insurance. We offer this cover completely free to all site visitors, whether you end up buying a policy via a link from this site or not! Click here for more information.
  • DON'T CHEAT! - You might save some money by not declaring your accidents, convictions, modifications or other material facts, but if you do this the chances are if you do need to make a claim the insurer will either back out completely, or ask for an additional premium. Tell the truth!
  • COME BACK & VISIT! - Don't assume that because you've found the cheapest deal this year that this will be cheapest next time around. Bookmark this site and return again next year to check the market again at renewal, as insurers do fluctuate their premiums from year to year, and we'll almost certainly have new/different links for you.

The above 'hints and tips' are generalisations, and should not be taken as advice from Help Insure Me Ltd. Any decisions you make in buying insurance, or in connection with buying insurance are completely at your discretion and Help Insure Me Ltd cannot be held responsible for any decisions made by you whatsoever.

________________________________________________________________________________________________________________

More Than

If you're finding it hard to find the cash to pay an initial deposit (perhaps you've just bought the van and it's not quite pay day yet!) or you simply don't want to pay a sum upfront then 'no deposit van insurance' could be ideal for you. By taking advantage of zero deposit you can still pay monthly, and obtain immediate cover online - without the stress of finding that larger-than-usual deposit payment.

________________________________________________________________________________________________________________

Thank you for viewing our no deposit van insurance page, we hope it was useful and saved you money!