Car insurance for younger drivers comes at a higher cost than for older drivers. There is no getting away from this fact and if you want van insurance and you are under the age of 25, the costs can be astronomical. Here we offer a guide to van insurance for young drivers to help you get the essential cover you need while obtaining the best deal.

1. A Guide to Van Insurance for Young Drivers
Car insurance for younger drivers comes at a higher cost than for older drivers.
There is no getting away from this fact and if you want van insurance and you are
under the age of 25, the costs can be astronomical. Here we offer a guide to van
insurance for young drivers to help you get the essential cover you need while
obtaining the best deal.
What is taken into account for van insurance quotes
Insurance companies consider many factors when giving quotes for van insurance.
These include:
 The age of the driver – if you are 25 or under you are classed as a young
driver and the premiums are higher as you are seen to be a bigger risk than
drivers with experience
 The area in which you live – your postcode can affect the cost of insurance. If
you live in a city, you can expect to pay more for insurance than if you live in a
quiet village. Even certain districts within cities are considered to be bigger
risk areas so the insurance costs are higher
 How you plan to use the van – you might be using the van for work and have
tools in it or carry goods. In this case, the insurance may be higher than if you
only use it for personal use
 The security features installed – generally, the insurance will be lower the
more security features you have installed on the van. Fitting a car alarm or an
immobiliser, for instance, can help to bring down the cost of the insurance
 Where you store the van – If you store the van in a garage when you are not
using it the insurance may be cheaper than if you park it at the side of the
road as there is less chance of it being stolen or damaged
 The van itself – the type, make, model and engine size of the van you choose
can affect the cost of the premiums.
 Insurance for goods – if you are self-employed and want a van for work you
will need the insurance to cover the goods you carry.
Why is age a factor?
When looking for car or van insurance for young drivers your age is going to play an
important part in the quote. Why is this?
Insurance companies typically base their quotes on statistics and statistics say that
young drivers aged between 17 and 24 are more likely to be involved in crashes than
older ones.
The high risk is associated with the younger generation as they lack experience. This
means they are less likely to have the ability to be able to spot hazards and take
bigger risks than older drivers, such as speeding, risky overtaking and tailgating.
Personal or commercial van insurance
When obtaining a quote for a van you need to consider the type of van insurance
you require. The quotes will be high for younger drivers whether you plan to use the

2. van for personal use or business, but there are major differences to the two types
and you need the correct one.
Commercial van insurance is going to be needed if you want the van because you
are self-employed. It is going to be more costly, but essential, as personal insurance
will not provide adequate protection.
There are two types of commercial insurance for vans, carriage of own goods and
haulage. The former provides insurance if you carry business goods such as those
required by a plumber, carpenter or a gardener. The latter is required if you carry
goods for other people, for instance, if you are a delivery driver.
In either of these instances, you will need the quote to cover the contents of the van
in case they are stolen or damaged in an accident. If not you will need to also pay for
goods-in-transit insurance, which comes with additional cost.
If using the van for pleasure instead of business you have three choices of
insurance, third party only, third party fire and theft, and comprehensive. In this case,
you need to compare prices as surprisingly; third party only may not be the
cheapest.
Optional extras
While van insurance for young drivers comes at higher cost than for older drivers, it
is important to have adequate cover.
General insurance for vans does not cover every aspect of damage to your van and
it can pay in the end to add on extra protection even though it comes with additional
cost upfront.
If you are self-employed or you are using a van for paid work, you might want to
consider breakdown cover. This does add on to the cost of the insurance but if you
were to breakdown when working, you are going to lose business and money if you
cannot deliver.
Without breakdown insurance, you would also have to pay to have your van and
goods recovered and this is generally a hefty outlay.
You might also want to check if the quote for insurance offers you a courtesy vehicle
in the event your vehicle breaks down. Imagine how much money you might lose if
your vehicle is off the road for a week or more while being repaired.
Choose wisely to get cheaper van insurance for young drivers
While you are going to have to choose a van that is suitable for your needs, some
makes and models are cheaper to insure than others are.
When choosing a van you might want to consider the following:
 Smaller vans cost less to insure. However, don’t compromise on storage
space just to keep down the cost of cover;
 For personal use, if you just want additional storage space, consider car-like
models such as those offered by Ford. They generally have more storage
space but have lower insurance costs;
 A van with a smaller engine will have lower insurance and Renault offers a
good choice of smaller engine loading vans if you are not carrying heavy
weights;

3.  The more secure the van the cheaper the insurance. Vauxhall offer a good
range of vans with plenty of pre-installed security features.
To summarise
There are many factors to take into account when considering van insurance for
young drivers. However, one of the most important is to ensure you get adequate
protection for your specific needs.
It is no good skimping on insurance, only to find in your hour of need you do not
have the coverage needed.
To get the most competitive priced young driver van insurance compare quotes
today.
Statistics
http://www.brake.org.uk/news/15-facts-a-resources/facts/488-young-drivers-the-
hard-facts