Compare Van Insurance Northern Ireland - CompareNI.com

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Reviews.co.uk, 29-Apr-14

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Overview

FREE Van Insurance Quotes for Northern Ireland Drivers!

CompareNI.com is developed with you, the Northern Ireland van driver, in mind because we only show you insurance deals that apply to Northern Ireland.

So, if you are fed up with finding van insurance deals that ‘exclude Northern Ireland’ you are now in the right place!

Getting a van insurance quote on our website is totally free, and the premiums that you see have no extra charges added to you – we simply show you prices from the insurance providers, and you could compare and choose a policy! You can compare some details on our results page, and then either click through to the insurer’s website to buy online, or you can buy by phone instead, depending on the payment options offered by the insurance provider.

Search for Northern Ireland Van Insurance with CompareNI.com

On CompareNI.com you could compare many van insurance quotes in one go, by filling in our simple form. A few years ago you would have had to go to different brokers to try to find the best price, and give your details each time. But now, CompareNI aims to take the hassle out of searching for insurance, and offers an independent and unbiased comparison of van insurance for Northern Ireland online!

Our panel of insurance providers is growing rapidly and they could provide insurance for vans of all shapes and sizes, and there are deals for commercial vehicles or private vehicles. We compare van insurance for Northern Ireland residents from companies such as Gladiator, Budget, and More Than.

We could help you find van insurance no matter where you live in Northern Ireland including Belfast, Newry, Carrickfergus, Derry, Coleraine, Ballymena, Newtownards, Lisburn, Bangor, Craigavon, Castlereagh, Cookstown, Downpatrick, Limavady, Strabane, Enniskillen, Larne, Down, Holywood, Omagh, Fermanagh, Dungannon, Lurgan, Londonderry, Antrim, Armagh, Tyrone, Banbridge, Maghera, and everywhere else!

Van Insurance Guide

Many van drivers might agree that finding cheaper insurance policies for their vans could be a challenge. Costs have increased over the years, which could mean any van driver is paying more today than they could have done a few years ago.

Thus the importance of performing a price comparison cannot really be underestimated. Gaining a greater understanding of the kinds of van insurance available, not to mention the idea of comparing them, could help an individual van driver save a potentially-significant amount on their typical premiums.

Van insurance Northern Ireland is required by law

If someone drives a van without having it insured, they are breaking the law. This holds true in Northern Ireland as well as in the UK as a whole. However, it may not be as expensive to insure a van of any kind as the driver may at first assume. By assessing the types of insurance out there and working out what is needed, any van driver could stand a better chance of finding a very affordable deal.

Three forms of van insurance to choose from

When someone is shopping around for cheap van insurance, it could be a good idea to recognise there are three forms of insurance policies they may choose from. By gaining an understanding of what each form can offer, it may become easier to make the most appropriate choice in each case.

Third party:

All van drivers should at the very least have third party insurance in place. This is required by law. If anyone does not have van insurance NI in place, they would be breaking the law. It means any damage or costs incurred by another party in an accident may be covered by the insurance. However, the van driver holding the third party insurance may not receive any monies towards their own costs.

Third party, fire and theft:

This insurance means the driver could have the additional peace-of-mind that they could be covered in the event their vehicle is stolen, or if it catches fire for some reason. This is in addition to the third party cover already mentioned above.

Comprehensive van insurance:

Also referred to as fully-comprehensive van insurance, this could be a better choice for those individuals whose vans are nearly new or brand new. The cover might provide a reassuring payout if the vehicle is damaged or written off, even if the accident that caused the damage may have been caused by the van owner. The cover could also cover all the costs the other parties in the accident or incident may have had to shoulder.

Van drivers aged under 25 could pay more

Young drivers may be at greater risk of being involved in accidents. This could be due to inexperience on the roads. Insurers may assess the cost of various policies depending on historical data, thus increasing premiums for van drivers under the age of 25, if they pose a potentially-greater risk of crashing.

Anyone in this situation may want to compare specialist policies and insurers online to find van insurance cheap deals that might be more affordable. It may potentially be better to find specialist companies that already provide these kinds of policies to other drivers, instead of opting for a mainstream insurer.

Is goods-in-transit cover required?

Some van drivers may carry goods in their vans. These may be parcels to deliver to companies and individuals, or to collect from them to deliver elsewhere. In any case, goods-in-transit cover may be a good option to add to any van insurance policy. If an accident occurs, regular van insurance may only cover damage to the actual vehicle(s) involved. Any damage caused to the goods inside the vehicle would not be covered unless the policy allowed for goods-in-transit coverage as well.

Additional drivers

Some businesses have vans in use that may be driven by several people. If this is so, the main driver or business owner may wish to compare van insurance that can provide cover for more than one person. Additionally, insurance cover could be available that may cover more than one vehicle. This might be a good idea for someone who owns several vans and wants to cover them all in the easiest possible way. It might also bring with it additional discounts for covering several vehicles at once.

Additional elements to a standard van insurance policy

When someone is looking for cover for their van, they may also wonder whether it is worth adding on any other forms of cover within that single policy. For example, while some people may get breakdown cover separately from their main cover, others could decide to get them rolled into one policy. The same applies to other examples of add-on cover, such as the goods-in-transit cover mentioned above, and legal expenses. This latter example could come into good use if the van driver is ever involved in an accident, since legal costs may be involved regardless of who may be at fault for the accident. This form of insurance could cover a driver for seeking compensation for injuries or loss of personal items if they are damaged beyond repair in an accident.

Choosing the most appropriate form of van insurance may seem challenging at first. However, once an individual has an idea of the various options available, it may be easier to assess what cover could be needed and how much it may cost them.

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