Tag: UK van insurance

How One Parking Dispute Could Skyrocket Your Van Insurance Rates

Posted on by News Desk

Introduction

Parking disputes are all too common.

But sometimes, they can escalate into serious situations.

In one recent case, a minor disagreement between a van driver and a young motorist turned into a legal issue.

It highlights how everyday interactions can lead to unexpected consequences –

especially for van owners relying on their vehicles for work.

This article explores the implications of this incident.

It reveals how these encounters might impact your van insurance rates.

Key takeaways:

  • How minor parking disputes can impact your van insurance.
  • The legal and financial consequences for van drivers.
  • Practical tips for protecting yourself and your insurance premiums.

The Parking Incident And Escalation

Back in April, 19-year-old Joseph Dunn, a college student, was out with his sisters in Caldmore Green, Walsall.

At first, they were simply searching for a parking spot.

After struggling to find a space in the nearby car park, they finally parked in front of a van, blocking its exit.

Initially, it seemed like a minor inconvenience.

However, the situation quickly escalated.

The van driver grew frustrated, honking his horn and inching forward, attempting to clear a path.

But Dunn, sensing aggression, felt a need to protect his pregnant sister.

So, he did something surprising.

He retrieved an axe from the car and waved it in the air.

This swift decision, intended as a protective measure, ultimately led to a court appearance and a suspended sentence.

“You chose to escalate this conflict beyond a justifiable level by producing an axe on a public highway,” said Recorder Hughes during sentencing.

This incident serves as a clear reminder.

In tense situations, our reactions can impact more than just ourselves.

For van drivers, these disputes can heavily impact insurance premiums.

This is especially true when aggression or weapons are involved.

And here’s the real kicker.

Maintaining a clean record is vital if you want to access very cheap van insurance options.

Joseph Dunn’s legal fallout highlights how a simple parking dispute can spiral into a criminal charge.

His charge? Threatening with a weapon.

The result? An eight-month suspended sentence.

But the effects go beyond the legal outcome.

Such actions, although brief, can lead to lasting consequences for drivers – especially those who depend on their vans daily.

In similar cases, van drivers could face insurance hikes.

Why? Because insurers may view such incidents as “red flags” in a driver’s profile.

Want to avoid becoming a “high-risk” policyholder?

Here’s a key tip: staying calm in disputes can help preserve your insurance profile.

For more tips on safe practices, take a look at Why Proper Vehicle Compliance is Crucial for Road Safety.

Financial Impact Of Incidents On Van Insurance

It’s no secret – insurance providers assess risks based on a driver’s record.

For van drivers, even a seemingly trivial altercation could affect their insurance rates.

In fact, altercations like Dunn’s can lead to premium hikes or, in some cases, policy cancellations.

Think about it.

When a van driver becomes involved in a confrontation, they may immediately appear “high-risk” to an insurer.

As a result, this perception alone could potentially block access to the cheapest van insurance options.

In Dunn’s case, waving an axe during a dispute might flag him as a liability in the eyes of any insurance provider.

While the direct impact on his premiums isn’t public, his record will likely influence his future costs.

Want to avoid similar consequences?

Consider adopting practices that maintain your premium.

Need ideas?

Check out our guide: How to Get the Cheapest Rates Today.

Everyday Parking Situations And Insurance Risks

This case reminds us that even routine parking situations can have far-reaching consequences.

Van drivers, often dealing with tight spaces and crowded streets, know parking conflicts are frequent.

But this story shows just how critical it is to keep your cool.

Here’s why.

Escalating a parking dispute to a legal level can impact your insurance profile.

If a driver appears volatile or aggressive, insurers may deem them “high-risk” –

even if the actions seemed justified in the moment.

Drivers across the UK should be aware.

Parking disputes, if not handled calmly, could compromise their insurance options.

Curious about your coverage?

Find out more here: Are You Driving a Car or a Van? Check Your Insurance Policy.

How To Protect Yourself And Lower Insurance Costs

It’s clear that disputes like these can lead to serious repercussions.

So, how can you protect yourself and your van insurance?

First, it’s essential to stay calm in tense situations.

Remember, insurers assess more than just your driving record.

They look at how you handle yourself on the road, including in parking disputes.

A calm approach helps to keep a “clean” profile, making it easier to secure very cheap van insurance.

Second, consider installing a dash cam.

Not only can this provide evidence in case of an incident,

but it also demonstrates to insurers that you’re a responsible driver.

Dash cams are an affordable way to maintain peace of mind and protect your insurance premiums.

Still looking for ways to save?

Here’s another tip.

Regularly review your van insurance policy to ensure it aligns with your needs and budget.

Policies change, and rates fluctuate, so it’s worth checking periodically.

To learn more, visit How Telematics Devices Can Save You Money on Van Insurance.

Conclusion

In summary, even minor parking rows can lead to significant impacts on your van insurance rates.

The story of Joseph Dunn serves as a cautionary tale for all van drivers.

Everyday situations can escalate, affecting your finances, insurance profile, and legal standing.

But there’s good news.

By staying calm, using tools like dash cams, and regularly reviewing your policy, you can protect yourself from unnecessary insurance hikes.

Ready to keep your insurance affordable?

Explore similar blogs to learn more:

Van Insurance: How A Simple Lapse Put A Dying Man in Court – Learn Why

Posted on by News Desk

Introduction

Do you have van insurance?

Imagine being too ill to handle your affairs and still facing legal prosecution.

A recent case has shown the harsh reality of the UK’s fast-track court system.

This case involved a terminally ill man whose van insurance lapsed while he was undergoing extensive medical treatment.

The government is under pressure to review this system, known as the Single Justice Procedure.

Why?

Because cases like these raise crucial questions about fairness.

The Single Justice Procedure: What Is It And Why Is It Used?

The Single Justice Procedure (SJP) allows courts to handle minor cases quickly.

The government designed it for efficiency.

Instead of a full court hearing, one magistrate makes a decision based on written evidence.

No in-person testimony.

No prosecutor present.

This might sound efficient, but there’s a catch.

Critics argue it’s a closed, one-sided process.

Vulnerable people, especially those with unique challenges, can find it nearly impossible to defend themselves properly.

The result?

The court rushes cases through without considering the defendant’s situation.

The government has promised to review this system.

But so far, vulnerable defendants are still caught up in it.

Case Background: A Dying Man’s Story Of Van Insurance Lapse

At the centre of this case is a 66-year-old man from Market Drayton, Shropshire.

He has been battling COPD—a severe chronic respiratory disease.

His health deteriorated rapidly this year.

He spent months in the hospital, unable to attend to day-to-day matters.

In a letter to the court, he explained his situation.

He shared that his illness had left him unable to manage basic tasks, including renewing his van insurance.

But here’s the shocking part:

The DVLA didn’t even review his letter.

So, despite his clear and serious health challenges, the DVLA moved forward with prosecution.

The man’s van had been parked on his property for years, unused.

Still, because it wasn’t declared officially off-road, it fell under insurance regulations.

This case shows how unforgiving the system can be—even when people are facing the worst circumstances.

Implications For Van Insurance Policyholders

This case is a warning for van insurance holders.

UK law requires all vehicles to be insured unless declared off-road with a Statutory Off-Road Notification (SORN).

Failing to insure a vehicle—even one that isn’t in use—can lead to penalties or prosecution.

For anyone in similar situations, this should be a wake-up call.

The DVLA advises people to reach out if they’re experiencing hardships.

However, it’s not always easy for those in poor health to navigate the system.

Van insurance holders who no longer drive their vehicles should consider alternatives.

One option?

Declare the vehicle off-road to avoid these risks.

Fast-Track Court System’s Impact On The Vulnerable

The fast-track nature of the SJP means defendants often face a rushed process.

No courtroom.

No opportunity to explain their side.

For vulnerable individuals, this approach can feel almost punitive.

The terminally ill man in this case was left with a criminal conviction.

Even though he had proof that his health issues caused the insurance lapse, his circumstances weren’t fully considered.

With closed proceedings, defendants struggle to make their voices heard.

Critics argue that the SJP should be more transparent.

Reforms could ensure that cases involving health or personal crises receive fair treatment.

But without these changes, more vulnerable people may face convictions under the current system.

Why This Matters For Van Insurance Customers In The UK

This case isn’t just a one-off.

It raises important questions about fairness in the legal system, especially for vulnerable individuals.

For van insurance holders, it highlights a critical point:

Insurance compliance is essential, even if a vehicle isn’t on the road.

Neglecting to follow these requirements can lead to serious legal consequences, as we’ve seen.

But why should you care?

Because knowing these risks can help you avoid similar issues.

By understanding the rules surrounding van insurance—

and taking proactive steps to keep your vehicle in compliance—

you safeguard yourself from unexpected penalties or prosecutions.

For anyone managing a vehicle that’s no longer in use, one simple solution stands out:

Consider declaring it off-road.

Additionally, if you’re experiencing hardship, it’s wise to contact the DVLA early.

Cases like this one highlight an increasing public interest and reveal a growing need for empathy within legal processes.

Thus, staying informed and prepared helps prevent small oversights from escalating into major repercussions.

Conclusion

In this case, a lapse in van insurance resulted in an avoidable prosecution-

for a man already facing overwhelming personal challenges.

This case is a stark reminder for van owners across the UK to stay informed on legal requirements.

Even when life throws unexpected hurdles.

The takeaway?

Don’t let a minor oversight turn into a legal ordeal.

Be proactive about your van insurance status, especially if you’re facing difficulties.

For more guidance, check out these articles:

Top Van Insurance Groups Revealed: How to Get the Cheapest Rates Today

Posted on by News Desk

Introduction

Cheap Van Insurance.

Finding affordable van insurance in the UK can be challenging.

But there’s good news.

Understanding how insurance groups work can help you save money.

Each van model is assigned to a specific insurance group.

Why does that matter?

It helps insurers determine the relative risk of covering that vehicle.

The lower the group, the cheaper your van insurance is likely to be.

That’s important to know, right?

What Are Van Insurance Groups?

The Association of British Insurers (ABI) has a system for categorising vans.

It’s called the Group Rating System.

What does it do?

It assigns every van and light commercial vehicle (LCV) to a group, based on its relative risk.

The lower the insurance group, the less it costs to insure your van.

Why should you care?

Because understanding which group your van falls into can save you money.

But don’t forget.

Your van’s group is only part of the equation.

Other things matter too, like your personal driving history, modifications to your van, and even where you park it.

Here’s the deal.

Checking a van’s insurance group before purchasing is a smart move.

It helps you estimate costs and avoid nasty surprises.

Vans are split into 50 groups, with lower groups costing less to insure.

Insurers factor in your van’s group, but they also look at things like the van’s value and modifications.

Checking your van’s insurance group early helps you gauge potential costs.

Want to reduce your insurance premiums? Click here.

How Do Van Insurance Groups Work?

Here’s where it gets interesting.

If your van was made before 2016, it will fall into one of 20 groups.

The lower the group, the cheaper your insurance.

But here’s the twist.

Vans produced after 2016 are grouped differently.

They now fall into groups numbered 21 to 50.

So what does that mean for you?

Vans in group 21 (post-2016) typically have lower premiums.

On the flip side, vans in group 50 are considered high risk and will cost more to insure.

But here’s the thing.

Don’t make the mistake of choosing a van based only on its insurance group.

Why?

Because insurers consider other factors too—like claims history and custom modifications.

So, what’s the takeaway?

Always compare quotes from different insurers to find the best deal.

Compare van insurance options here.

How Are Van Insurance Groups Decided?

So, how do insurers decide which group your van belongs in?

It’s all about the van’s characteristics.

Let’s break it down.

The Size and Weight of the Van

Big vans carry big risks.

Why?

Because they’re more likely to cause serious damage in an accident.

That’s why heavier vans are placed in higher insurance groups.

Performance and Engine Size

Vans with larger, more powerful engines tend to cost more to insure.

It’s simple.

The more powerful the van, the greater the risk, and the higher the insurance group.

Security Features

Want to lower your insurance group?

Make your van more secure.

High-security door locks, immobilisers, and alarms can make a big difference.

The more secure your van is, the less you’ll pay.

Check out these tips to secure your van.

What Insurance Group Is My Van In?

Now, let’s move on to the crucial question.

How can you find out which insurance group your van falls into?

Fortunately, it’s quite simple.

By using the Thatcham Research vehicle search tool, you can quickly identify your van’s insurance group based on factors like the make, model, year, and fuel type.

But that’s not all.

The tool also provides a letter, which gives insight into your van’s security level.

Here’s how it breaks down:

  • A: Meets the security standard for the group.
  • D: Falls short of the standard, so the group rating is increased.
  • E: Exceeds the security requirement, thus lowering the group.
  • P: Provisional rating, used when the necessary data was incomplete.
  • U: Unacceptable security, meaning insurers might require upgrades.
  • G: This applies to imported vehicles, with group ratings only applicable to UK models.

So, how does this help?

When you purchase van insurance, your insurer will automatically have this information.

You don’t need to worry about providing the group yourself.

Find out more about van insurance groups here.

What Else Will Influence The Price Of My Van Insurance?

While your van’s insurance group plays a significant role in determining your premium, it’s not the only factor.

In fact, several other elements come into play when insurers calculate how much you’ll pay for coverage.

Let’s take a closer look at these additional factors.

Your Age

To begin with, your age is a big consideration.

Typically, if you’re under 25, you’ll face higher premiums.

Why?

Because younger drivers are statistically more likely to be involved in accidents.

Your Address

Next, your location is another critical factor.

Living in an area with a higher crime rate can increase your premiums, as the risk of theft or damage to your van is higher.

On the other hand, if you live in a safer, low-crime area, you may benefit from lower insurance costs.

Your Occupation

Your job also influences your insurance premium.

For instance, high-risk occupations—such as those involving manual labour or extensive driving—can result in higher insurance costs.

In contrast, lower-risk professions may lead to cheaper premiums.

Your Driving History

Another major factor is your driving record.

Any claims or accidents in your past will likely increase your insurance premiums.

However, if you have a clean driving history or have built up a no-claims discount (NCD), you could see a substantial reduction in your insurance costs.

Where You Park

Where you park your van is also important.

If you park in a secure place, like a private driveway or garage, your premiums could be lower.

Conversely, parking your van on the street might increase your insurance costs.

Your Van’s Modifications

It’s also important to consider any modifications to your van.

Certain modifications—like adding extra security features—can reduce your premiums.

However, cosmetic changes or performance upgrades could increase your costs.

Annual Mileage

Finally, your annual mileage plays a role.

The more you drive, the higher the risk of accidents, which results in higher premiums.

If you drive less, you could save on insurance costs.

For more on what influences van insurance prices, click here.

Conclusion

So, what can you do to keep your van insurance premiums down?

While choosing a van in a lower insurance group is a good start, there are additional strategies to help you save money.

Let’s go through a few key tips.

Improve your van’s security.

Pay annually.

Paying your premium in one lump sum is usually cheaper than paying monthly installments.

Limit your mileage.

Take an advanced driving course.

Want more tips to save money? Click here.

Can I Get Van Insurance As A New Driver

Posted on by News Desk

Introduction

New driver van insurance.

Getting on the road with a van in the UK isn’t just about passing your driving test;

It’s also about securing the right insurance.

For new drivers, especially those under 25, this can seem like a daunting task with high costs and various policies to navigate.

So, what can you do?

Understanding Van Insurance For New Drivers

Why is Van Insurance Expensive for New Young Drivers?

Van insurance premiums are notoriously higher for young drivers due to their lack of driving experience and statistically higher risk of being involved in accidents.

Insurers assess risk based on a variety of factors including age, driving history, and even the type of vehicle being insured.

For young drivers, these factors often work against them, making it challenging to find cost-effective insurance.

In the UK, it’s legally required to insure your van before you drive it on public roads.

This is not just a formality but a necessity to protect yourself and others in case of an accident.

Without proper insurance, you could face severe penalties including fines, disqualification from driving, and having your vehicle seized.

So, what do you need to know?

The Impact Of Age On Insurance Costs

Insurance companies often set higher premiums for younger drivers, typically those under 25.

This is because younger drivers are viewed as high-risk due to their inexperience.

Some insurers even set minimum age limits on their policies, which can limit options for younger van drivers.

What else should you consider?

Levels Of Van Insurance

Understanding the different levels of van insurance can help you choose the best option for your needs.

The three main levels of coverage include:

Third-Party Only (TPO): This is the minimum level required by law. It covers damages or injuries to third parties but not your own vehicle in the case of an accident.

Despite being the least comprehensive, TPO can sometimes be more expensive for young drivers because insurers perceive a higher risk with this group.

Third-Party, Fire, and Theft (TPFT): This level provides the same coverage as TPO but also covers your vehicle in case of fire damage or theft.

It’s a middle-ground option that offers some protection for your own vehicle while keeping costs relatively manageable.

Comprehensive: Often surprisingly, this can be the cheapest option for young drivers. It covers damages to both third parties and your own vehicle, regardless of who is at fault in an accident.

It provides the most extensive coverage and can sometimes come at a lower premium than less comprehensive policies due to the lower risk perceived by insurers when drivers opt for more protection.

Curious to learn more?

Learn more about van insurance options

Goods In Transit And Other Special Policies

If you’re transporting goods, whether as a courier or for specific business deliveries, ‘Goods in Transit’ insurance is essential. It protects against loss or damage while moving goods from one place to another.

For drivers using their vans for frequent, specific delivery routes (haulage), specialised haulage insurance provides tailored coverage that fits the repetitive nature of this work.

Looking for specific advice?

Discover more about business van insurance

Factors Influencing Costs

Various factors influence the cost of van insurance:

Age and Experience: Younger, less experienced drivers usually face higher premiums.

Driving History: Points on your license or past offenses can increase costs.

Location: High-risk areas with higher rates of vehicle theft or accidents may see elevated premiums.

Vehicle Type: Larger engines or high-performance models often lead to higher insurance costs.

Can you manage these costs?

Yes, and the next section will explain how.

Learn how to manage insurance costs

Effective Strategies To Lower Van Insurance Costs

Ready to cut costs? Here’s how:

Choose the Right Van

Selecting a van in a low insurance group is a smart move. These vehicles are usually cheaper to insure because they pose less risk to insurers.

Why does this matter?

A smaller engine size generally leads to lower premiums. Before purchasing your van, check which insurance group it falls into to estimate future insurance costs.

Enhance Security

Adding security features such as alarms, immobilisers, or trackers can significantly reduce your premiums. Insurers often offer discounts for vans that are less likely to be stolen or broken into.

Adjust Your Excess

Increasing your voluntary excess — the amount you pay in the event of a claim — can lower your premium. However, ensure it’s an amount you can comfortably afford if you need to make a claim.

Add An Experienced Driver

Including a more experienced driver on your policy might reduce your premium, as the overall risk is averaged over two drivers. Just ensure the experienced driver uses the van; otherwise, this could be considered fronting, which is illegal.

Consider A Telematics Policy

A black box or telematics policy tracks your driving behavior, including speed, acceleration, and braking. Safe driving can lead to lower premiums at renewal.

Is this right for you?

Find out if telematics could save you money

Compare And Shop Around

Never settle for the first quote you receive. Use comparison websites and check different insurers to find the best deal that suits your specific needs.

Conclusion

Securing affordable van insurance as a young driver in the UK isn’t just about finding the cheapest quote; it’s about understanding your needs and how to meet them while minimising costs.

By implementing these strategies, you can not only save on your current premium but also position yourself for cheaper premiums in the future.

Remember, every driver’s journey is unique:

Tailor your approach, and keep these tips in mind to navigate the complexities of van insurance efficiently.

 

Van Driver’s Near-Disaster: How Quick Help And Cheap Insurance Can Save The Day

Posted on by News Desk

Introduction

Accidents can happen to anyone.

Even the most experienced van drivers.

But here’s the thing…

Whether it’s a careless mistake by another road user or a simple error of judgment, the outcome can be unpredictable.

So, what happened?

This is exactly what happened to a van driver in Liverpool, where a kind stranger stepped in to lend a helping hand.

But wait, there’s more…

In this article, we’ll explore how a van driver narrowly avoided a much worse outcome and offer some essential driving tips to keep you and your van safe.

Ready to find out?

A Helping Hand: The Liverpool Incident

Recently, in Liverpool, a van driver was going about his usual day.

But what happened next?

He was delivering goods to various restaurants across the bustling city.

It seemed like any other day, but then…

Navigating through tight corners and heavy traffic, he found himself in a tricky situation.

Here’s what went wrong…

A car, irresponsibly parked at a corner, severely limited his visibility.

Things escalated quickly.

As the driver attempted to steer his Ford Transit around the poorly parked vehicle, a car suddenly emerged from a side street.

It cut across his path, giving him little time to react.

Now, here’s the kicker…

In an effort to avoid a collision, the van driver made a sudden maneuver.

He felt the van losing its balance.

Before he knew it, the vehicle was tipping over.

It gets worse…

With four tyres struggling to stay grounded, the van overturned in the middle of the street.

But amidst the chaos, help was at hand.

A kind passerby quickly rushed to the scene.

Guess what happened next?

They pulled the van’s door open while the driver scrambled to climb out.

Despite the shocking turn of events, the driver emerged unscathed—thanks to the quick thinking of his helper.

Why Proper Parking Matters

Now, let’s talk about the real issue here.

The Liverpool incident serves as a stark reminder of why parking in safe, visible spots is vital.

But here’s the problem…

Parking at corners or other dangerous areas is not only a risk to you.

It’s also a risk to other road users.

Here’s what you need to know…

Van drivers, often driving larger vehicles, can face blind spots and reduced visibility.

This makes it crucial to avoid areas that restrict a clear view of the road.

But that’s not all…

Parking in hazardous spots can lead to costly mistakes.

Want to know the real kicker?

With the cost of van insurance premiums rising due to the increase in accidents, it’s essential to be cautious.

The solution is simple.

Ensure you’re not caught out by poor parking habits that could lead to accidents, fines, and increased insurance costs.

Read more about the importance of proper vehicle compliance.

The Van Overturns: A Lesson in Road Safety

Now, here’s something that might surprise you…

While the van driver was lucky to escape with no injuries, overturning a vehicle could have had serious consequences.

And that’s just the beginning.

Not only are overturned vans dangerous, but the damage can also be costly.

But here’s the silver lining…

In these situations, having the right insurance in place can save you from a financial nightmare.

It gets worse…

With accidents on the rise, especially in crowded urban areas, cheap van insurance that offers comprehensive coverage is more essential than ever.

Why is this so important?

Whether it’s covering damages to your van or helping you in legal situations, your insurance policy could be the lifeline you need.

The takeaway?

It’s not just about meeting the legal minimum.

It’s about peace of mind.

Looking for ways to protect your van on the road?

Here’s how telematics devices can save you money on van insurance.

Safe Driving: Common Sense Tips For Van Drivers

Accidents like the one in Liverpool are often preventable.

But did you know…

With some basic safety precautions and the right mindset, van drivers can significantly reduce their chances of being involved in a road incident.

Here’s what you need to do.

Here are some common-sense tips every van driver should keep in mind:

  1. Stay alert: Always be aware of your surroundings, particularly in urban areas with tight corners and high traffic.
  2. Drive defensively: Expect the unexpected from other drivers, and be prepared to react calmly.
  3. Avoid distractions: Keep your focus on the road, and avoid using your phone while driving.
  4. Park responsibly: Make sure you choose safe parking spots that won’t obstruct the view for other road users.

Remember, these small habits can make a big difference in road safety.

And here’s the best part…

They might even help keep your van insurance premiums low.

How Van Insurance Can Be Your Best Ally

When accidents happen, van insurance can be the one thing standing between you and a hefty financial burden.

Here’s what happened…

The Liverpool driver was fortunate to escape unharmed.

But let’s be real…

The damage to his van could have cost thousands.

But here’s the good news…

With a solid insurance policy, much of this can be covered.

And that’s not all…

Comprehensive cheap van insurance UK plans can cover not only damage to your vehicle.

They can also help with potential legal fees and third-party claims.

What does this mean for you?

Having that safety net means you’re not left out of pocket when disaster strikes.

This is why reviewing your policy and ensuring you have the best coverage is essential.

Especially with premiums fluctuating.

Ready to find the best deal?

Check out how to get the cheapest van insurance rates.

A Not-So-Happy Ending: Staffordshire’s Dangerous Roads

Now let’s shift gears.

In another incident, this time in Staffordshire, a van driver wasn’t so lucky.

Here’s the story…

Council workers were out doing their usual maintenance work, repairing and cleaning roadside gullies.

This is a crucial job, especially in areas prone to flooding.

But then something unexpected happened.

A van driver, towing a trailer, became impatient with the maintenance crew’s road signs and warnings.

Here’s where things took a turn.

Rather than wait, the van driver decided to ignore the warnings.

He mounted the pavement, dangerously driving around the workers, almost causing an accident.

And it gets worse…

The entire reckless event was caught on a dashcam, which captured the van driver’s dangerous behaviour.

Not surprisingly, this footage was handed over to the police.

This is the sort of incident that not only endangers lives but also leads to skyrocketing van insurance premiums.

Staffordshire council later revealed that this type of reckless behaviour is becoming alarmingly common.

Over the past year, they’ve recorded more than 500 incidents where road workers have been verbally abused, ignored, or endangered by drivers.

Let that sink in.

How Reckless Driving Increases Van Insurance Costs

Now, here’s the bottom line…

Reckless behaviour on the roads doesn’t just put lives at risk.

It also has a direct impact on the cost of van insurance.

But why is that?

Insurance companies view reckless driving as high-risk behaviour.

And what happens when insurers perceive higher risk?

You guessed it…

Premiums go up.

That’s right.

Incidents like the one in Staffordshire are exactly why we’ve seen such an increase in van insurance premiums across the UK.

If you drive recklessly, you’re not only putting others in danger.

You’re also making insurance more expensive for everyone else.

So, here’s what you can do.

Take extra care on the roads.

Be patient.

Follow the rules.

And most importantly, drive safely.

If you’re looking for the best deal on van insurance, now’s the time to act.

Find out why van insurance premiums are rising in 2024.

Be Considerate On The Roads: A Call To Action

Here’s the takeaway…

Being considerate on the roads is not just a courtesy—it’s a responsibility.

Van drivers, especially those working long hours or under pressure, can sometimes rush or take risks.

But here’s the thing…

Impatience and reckless behaviour lead to accidents.

And accidents drive up van insurance costs for everyone.

So what’s the solution?

Take your time.

Be patient with road workers, other drivers, and pedestrians.

Most importantly, ensure your van insurance policy is up to date.

Not only will this protect you in the event of an accident, but it could also save you money in the long run.

We really hope that you’re one of the more patient and considerate drivers on the busy roads of the UK.

Want the best protection for your van?

Check out the cheapest and most comprehensive van insurance options today.

Conclusion

The real-life incidents in Liverpool and Staffordshire highlight the importance of safe driving and being considerate on the road.

Whether it’s avoiding dangerous parking or being patient with road workers, these small actions can prevent accidents—and save lives.

But here’s the final thought.

Having the right van insurance in place gives you peace of mind, no matter what the road throws at you.

Want to read more?

Check out these related articles for more insights on how to lower your van insurance premiums:

Why Businesses Are Still Holding Onto Diesel Vans

Posted on by News Desk

Why Are Some Businesses Holding Onto Diesel Vans?

In a previous post, we discussed the shift to electric vans.

But it appears that the transition isn’t happening as fast as expected.

Many businesses operating fleets are holding onto their diesel vans for as long as possible.

But why?

Why Not Electric Vehicles (EVs)?

Some companies claim they can’t fully adopt electric vans just yet.

Why?

EVs need to be charged during long trips.

This can cause major disruptions for businesses that rely on tight schedules.

Imagine needing to plan each route carefully, knowing where the charge points are.

There are about 42,000 charging stations across 15,000 locations in the UK.

That sounds like a lot, but it’s not always enough.

If a driver is traveling across the country, they might need four full charges—possibly more.

Rural areas?

The situation worsens, with fewer charging stations available.

Now picture the logistical nightmare that fleet managers must face.

Caught in the Middle

Fleet owners know they have to go green.

They recognise the push for sustainability.

Yet, they feel stuck.

Right now, businesses face limited options for a seamless transition.

What can they do?

Diesel Until the End?

One solution might be keeping a small fleet of diesel vans.

They would reserve these for long-haul jobs.

But there’s a catch.

New petrol or diesel vans won’t be available for purchase after 2030.

Only second-hand options will exist.

They will still sell fuel, but it won’t come cheap.

Maintenance costs will rise, too.

Still, many businesses are hanging onto their diesel vans, hoping for cheaper EV alternatives down the line.

Fossil Fuels or Bust?

It’s not that businesses don’t want to embrace cleaner energy.

They do.

But they have to remain practical to stay in business.

Survey Insights: What Are Vans Used For?

A 2020 survey revealed some interesting data.

Vans are primarily used for transporting equipment, tools, and materials.

The next most common use? Delivering and collecting goods.

And here’s another insight:

Most businesses purchase new vans.

However, privately owned vans are typically bought second-hand—82% of them, in fact.

The Future of Diesel Vans

Diesel vans won’t disappear overnight.

They’ll still be around for a while.

But remember, your van—whether new or used—needs insurance.

So why not find the best and cheapest van insurance rates today?

It’s easy.

Just start by filling out this simple 3-minute form.

You’ll be on your way to great savings in no time.

Don’t Wait Too Long

The shift to electric might be slower than expected.

But it’s coming.

And sooner or later, you’ll have to decide:

Will you go electric or stick with diesel for as long as possible?

The choice is yours—just make sure you’re ready.

White Van Men On Tour Get GREEN LIGHT

Posted on by News Desk

Rage, discontent, and anger. These are all words that could have described your average white van man after Brexit happens.

Especially those white van owners who like to go “on tour.” Off they go, North, South, East, and West. Driving in their vans to go to far away lands, for business and pleasure.

It was thought that Brexit might have put a halt to these regular jaunts. A big RED LIGHT was expected to be staring each and every white van owner in the face, and, as we all know, when white van men are hindered in some way then the result is usually…all out destruction.

Initially, experts predicted that UK van insurance would no longer be valid on the roads of our European neighbours

That means if a British white van just wanted to go for a casual drive in the French countryside, then it would quickly be scanned by French Police.

“Monsieur..Monsieur..pas de taxes” they would be shouting.

A night in French prison would no doubt be in store for the white van man, which would probably push them to the brink.

Fortunately, this is not going to happen, due to the fact that it’s just been announced that UK van insurance will be accepted in the EU after Brexit has happened.

If you are stopped on the roads of France, Germany, Spain, or Rome…

Then all you need to do is show them Cheap Van Insurance on your smartphone…

and they will instantly leave you alone.

“It’s okay, I’m with CVI,” you say.

“Danke,” the German traffic police would say after they pulled you over on the Autobahn.

No fuss, no hassle, and no rage. Just a GREEN LIGHT for every white van owner in the country to go “on tour” and not get in any bother.

It could have been a lot different though. A Green card system had been proposed by European chiefs and an extra £10 fee to get European van insurance for UK drivers.

“Hola, tarjeta verde por favor ” the Spanish Police would say after pulling over the traditional UK white Ford Transit van.

“You what mate?” the white van driver would say…getting a bit hot under the collar.

“Tarjeta verde… AHORA!!“” the Spanish police would demand.

Who knows what would happen after that? We all know how white van men have, in the past, been unleashed and unchained, to the point where car doors have been ripped clean off.

Right now everybody is friends, and our white van drivers can move forward to the continent with a good mood and CVI on their phone.

Admiral Van Insurance WARNING: April 2018

Posted on by News Desk

If you get your van insurance from Admiral then this message could be the most important you have ever read? Keep reading to discover more…

As regular readers of CVI will be aware, ourselves and Admiral are really good buddies. They are on our “hotlist” of recommended van insurance companies and regularly feature in the list of companies that offer you a quote after filling in our 3 minute form.

The relationship between ourselves and Admiral is as strong as ever…although could the honeymoon period be about to come crashing down? Keep reading…

So, if you are already a customer of Admiral then you might be wondering why you are being WARNED, as of right now…in April 2018? It’s because you might have been double charged for your van insurance.

We already know that van insurance is expensive in the UK right now, especially if you live in big cities such as London. Nobody can afford to get double charged!

That is what happened though, as it recently came to light that Admiral double charged hundreds of their customers last month. This includes van insurance customers (YOU).

If you are a van insurance customer with Admiral then I recommend you check your bank account right away and make sure they haven’t taken out twice as much as they should.

It was an innocent mistake of course, as Admiral are one of the most trustworthy van insurance companies in the UK who have served millions of satisfied customers over the years.

Sometimes, these glitches just happen though. An error in the system. “Blame the robots,” is what I say.

As you would expect, Admiral are working hard to rectify the situation, and are saying that anyone who was double charged for their van insurance in March, won’t be charged in April. Once that happens then everyone is friends again.

With that being said, I would advise all Admiral van insurance customers to check their bank account in April 2018, just to make sure there are no more double charges.

However, be rest assured that if you do get double charged by Admiral then you can expect one of their customer service team to contact you right away.

Don’t worry though, because I reckon that Admiral have now got all of this sorted out and we won’t be hearing anything else about their van insurance customers being overcharged.

That is why I advise every CVI user to feel confident about choosing Admiral van insurance if they happen to be one of the best quotes you receive.

Make sure you fill out our 3 minute form first. Don’t go directly to the Admiral website because you want to make them compete against all of the other van insurance companies for your business.

Kind of like in the days of the Gladiators, where the warriors of Ancient Rome would march into the collesium for a no holds barred old fashioned fight.

That is what happens when you use Cheap Van Insurance, and that is why they call us “The Nations Favourite.”

Most Expensive Van Insurance? The Award Goes to…

Posted on by News Desk

Wondering which place has the most expensive van insurance in the UK? A recent survey has now given us the answer, and it isn’t surprising.

Before I reveal the answer, and to give you some frame of reference, let me tell you what the average cost of van insurance is right now in the UK…£1500 approximately.

Not exactly cheap is it, but van drivers have to pay those kind of figures because as we all know, it is a legal requirement to insure your van. Ignore that and you could find yourself with a fine, points on your license, a driving ban, and even in prison.

So where is the most expensive van insurance? East London to be exact, where the survey found the average price to be nearly £2000. Yes you read that right.

Drivers in East London are paying, on average, £2000 for insurance, and if reports are true, this could soon become even more expensive once new compensation laws are introduced by the government.

Van crime is becoming more of a problem of course, and London is one of those areas where van break-ins are a daily occurrence. Sure, this kind of crime can happen anywhere (and it does), it’s just that London seems to get it more.

There are many factors that determine how much you are going to pay for van insurance, such as age and experience of the driver, make and model of the van, where it is parked overnight…and so on.

It goes without saying that if you are a young driver in East London who wants van insurance then you are probably going to be paying well over £2000. Maybe even over £3000.

What can you do to get van insurance that isn’t quite as expensive? My advice is simple…use a comparison website. It really is all you have to do.

Most van drivers don’t do this however, and instead just stick with the same company year after year, or they try and compare by only going to a few different companies.

When you use a comparison website, it automatically sends your details to over 100 companies, so as you can imagine, it’s easy to get a cheap quote…even if you live in East London or somewhere else with expensive van insurance.

Don’t just take my word for it. Give it a try for yourself. It only takes around 3 minutes to enter some basic details and then you start getting quotes right away.

Man Admits Driving Without Van Insurance

Posted on by News Desk

A man in Lancashire was spared a prison sentence when he admitted to driving his van without any kind of insurance.

Not usually something they send you to prison for anyway you might be thinking, but when you consider he was also a disqualified driver then it becomes a more serious offence.

The man, who is 34, plead guilty in a court of law for not having a driving license and not having van insurance, although the judge decided not to send him to prison.

Instead, he got a suspended 8 week sentence, which means if he commits an offence again, especially driving a van without insurance, then he will be sent to prison for around 2 months. Not only that, but he also has to follow a 6 week curfew which does not allow him to leave the house between 8pm and 6am.

He was also given a 12 month driving ban, had 6 points put onto his license, given a 6 month supervision requirement and had to pay costs that came to £200.

The sentence was handed out because the man had only recently been banned from driving, and had significant previous offences.

It just goes to show you that driving without van insurance is something that can get you into a lot of trouble. Even if you don’t have any previous offences or a history of being in trouble with the law, if you get caught driving without insurance then the Police will not be very impressed.

You could find yourself in a lot of trouble, and may even have to go to court. As we’ve just seen, a prison sentence is unlikely, but you could easily get a suspended sentence, as well as fines.

My advice is simple…always make sure you get van insurance, and never drive without it. I’m hearing a lot of complaints recently about how “insurance is so expensive” and “I don’t want to pay it anymore,” but in reality you don’t have any choice.

It is UK law that your van must be insured, so if you don’t have a policy right now you must do it right away.

Sure, van insurance is getting more expensive, but if you shop around then you might be surprised to find out exactly how cheap it can be.

The best way to do this is by using a van insurance comparison website so you can have your details sent off to all the major insurance companies, and then within a few minutes you get all the quotes right there in front of you.

Some people have reported saving hundreds of pounds on their van insurance by doing this, so in my opinion, anyone who wants cheaper insurance should give it a try.

Step 1

Complete your quick and easy quote

Step 2

Reveal your van insurance policies

Step 3

Pick your favourite and get instant cover