Any Driver Van Insurance

What Is Any Driver Van Insurance?

Any driver van insurance makes it possible for any driver to be insured to drive a van, removing the need to manage named drivers on a policy. This flexibility can have multiple benefits. However, there are limitations to the term “any driver”; for example, most of these policies will put a minimum age limit of 25 or 21. It’s important to note that you’ll normally only be able to have an any driver policy if you have fleet insurance so you will need at least two vehicles. This could be a director’s vehicle plus a workman’s van, for example. For a single van, most insurers allow up to 4 named drivers on the policy.

What Are The Benefits Of Any Driver Van Insurance?

Some of the benefits of insuring a van with an any driver policy are:

Flexibility

You can be more flexible in the way you run your business, with any employee being able to drive your vans. If one of the drivers is unavailable, another driver can step in to complete the required job, potentially saving you time, money and inconvenience.

Trouble-free

Having separate policies for individual drivers requires extra paperwork in case of a driver change. Having any driver van insurance will save you the trouble and hassle of amending your insurance policy when drivers change.

Cost savings

Dependent on your specific requirements, it may work out cheaper to have an any driver policy for your van compared to individual policies.

What Factors Affect The Cost Of Any Driver Van Insurance?

Factors that affect the cost of an any driver van insurance policy include:

Age

Insurance policies for younger van drivers tend to cost more than policies for older drivers. This is because statistically, younger drivers are considered less experienced and are more likely to cause accidents compared to older drivers. This is likely to be the same for an any driver van insurance policy that also covers drivers under 25 years old.

It is important to note that any driver policies do come with certain restrictions; for example a lot of policies will only provide cover for any driver over the age of 25, or sometimes 21.

Commercial or domestic use

Private use van insurance policies tend to be cheaper than commercial use. Commercial van insurance can be more expensive as commercial usage can carry additional risks as these vans transport other people’s goods for payment or your own goods. These vans are at higher risk of damage/theft because they are on work sites and cover a lot of miles. This exposes them to frequent wear and tear.

Size and weight of the van

Heavier vans tend to have high premiums compared to smaller vans. This is down to several risk factors, including that insurers consider large, heavy vans harder to drive than small light vans. Similarly, these large, heavy vans are at increased risk of accident and will therefore increase premiums.

How to reduce the costs of any driver van insurance policies

Using a comparison site

First and foremost, comparing quotes for any driver van insurance from different insurance companies is an excellent way to keep your premium costs lower. However, you can also try and reduce premiums by:

Increasing the security of your van

Your premiums will most likely come down if you look at and improve any factors that will make your van more secure. If you can put security alarms and immobiliser systems in your vans, premiums will often be cheaper. Similarly, vans kept in a garage overnight are safer than those parked by the roadside. This is appealing to the insurance provider and you may therefore see a reduction in your premiums. If you consider investing in security equipment, you can always run a comparison to see the impact additional security will make on your policy.

Paying a larger voluntary excess

Whereas the insurance provider dictates a mandatory excess, a voluntary excess is an amount chosen by the policyholder. This portion of your claim you choose to pay can lead to lower premiums. However, you should set an amount that you can afford, as every claim will result in your paying the excess before the insurance company pays out.

Summary

In conclusion, you should not interpret any driver van insurance to mean all drivers. Therefore, any driver you consider to have access to your van must meet any restrictions imposed by the insurance provider. It is important to consider quotes from different insurance providers to help you choose the one that suits your needs and budget.

To compare quotes from a panel of any driver van insurance specialists, head over to the quote form by clicking the button on this page.

Frequently Asked Questions

What ages do you cater for?

We will try to help in any situation; however, many insurance providers will impose lower age limits on their any driver policies. Therefore, you must discuss this with the insurance provider during your quote comparison.

Can I take out a policy for personal use?

This type of policy is commonly used by businesses. However, some insurance providers do offer any driver policies for personal use.

Who can be covered under an any driver van insurance policy?

Coverage depends on the insurer’s terms, but typically, drivers over a certain age (often 21, 25, or 30) with a valid driving license and a good driving record can be included under the policy.

Find any driver van insurance in minutes via Quote Goat. Use our comparison site to see if you can find a good deal for your insurance.