If you are looking for the cheapest vans to insure in Ireland, you’ve come to the right place. Premium can be expensive, especially if you have a large or powerful vehicle, or if you are a young or inexperienced driver. However, there are ways to reduce your van insurance costs outside of these criteria, by considering getting one from our list of below!
In this blog post, we’ll look at some of the factors that affect the price of your premium and some of the models that are considered the cheapest commercial vehicles to insure. We’ll also give you some tips on how to find the best commercial cover deal for your needs, and how to save money on your premium.
What Factors Affect the Price of Your Cover?
The price of your premium depends on many factors, such as:
1. The type and size of your van
Larger and more powerful vans tend to have higher insuring costs, as they are more likely to cause more damage in an accident, and they may also be more attractive to thieves. Small and less powerful vans are usually the cheapest to insure, as they are less risky and easier to repair.
2. The age and experience of the driver
Younger and less experienced drivers are considered more likely to be involved in accidents, and so, they often must pay higher premiums. Older and more experienced drivers are seen as safer and more responsible, and they can benefit from lower premium costs. So, whether you’re a young driver or experienced behind the wheel, finding the cheapest van to insure is crucial for securing affordable and reliable coverage.
3. The purpose and usage of your van
Suppose you use your van for business purposes, such as transporting goods or tools. In that case, you may need a commercial insurance policy, which can be more expensive than private van ones. You may also have to pay more if you drive a lot of miles, or if you travel to high-risk areas, such as cities or motorways.
4. The security and safety features of your van
If your van has security features, such as alarms, immobilisers, or trackers, you may be able to secure the cheapest premium, as they can deter thieves and reduce the risk of theft. Similarly, if your van has safety features, such as airbags, ABS, or parking sensors, you may also qualify for a lower premium, as they can prevent or minimise injuries and damage in an accident.
5. The level and type of cover you choose
The level of coverage you choose for your van will affect the price you pay. There are three main levels of cover:
- Third party only, which is the minimum legal requirement and covers the damage you cause to other people and their property (this is usually the cheapest option available).
- Third party, fire and theft, which also covers your van if it is stolen or damaged by fire.
- Fully comprehensive, which covers your van for any damage, regardless of who is at fault.
The higher the level of coverage, the more expensive the premium will be. However, you may also be able to add optional extras, such as breakdown assistance, windscreen cover, or liability cover, which can enhance your protection and give you peace of mind.
Tip: If you’re also in the market for affordable car cover, check out the 10 Cheapest Cars to Insure in Ireland for valuable insights on keeping your overall costs down!
What is the Cheapest Van to Insure?
The cheapest vans to insure in Ireland are not necessarily the cheapest vans to buy. In fact, some of the newer and more expensive models may have lower premium costs, as they have better security and safety features, and they may also be more fuel-efficient and eco-friendlier. However, some of the older and more affordable models may also be cheap to insure, as they have lower repair and replacement costs, and they may also be less likely to be stolen.
The best way to find out what is the cheapest van to insure is to compare quotes from different insurers, as they may have different criteria and rates for different vans. By getting a quote from a broker, they do the comparing for you, so you don’t have to! To give you an idea, here are some of the models that are generally considered the cheapest vans to insure:
Ford Transit Connect
The Ford Transit Connect is a popular and versatile small van that is ideal for urban driving and light-duty work. It has a spacious and comfortable cabin, a reliable and efficient engine, and a range of security and safety features, such as remote central locking, hill start assist, and emergency brake assist. The Ford Transit Connect (particularly pre-2016 models) is probably one of the cheapest commercial vehicles to insure, as it has a low premium group rating, and it also has low running costs and maintenance costs.
The Renault Kangoo is another small van that is suitable for a variety of purposes, such as deliveries, trades, or personal use. It has a generous and practical load space, a smooth and economical engine, and a host of features, such as electric windows, Bluetooth, and cruise control. The Renault Kangoo (again, pre-2016 models) is also one of the cheapest small vans to insure in Ireland, as it has a low premium group rating, and it also has low fuel consumption and CO2 emissions.
To read our full review on the Renault Kangoo, click here!
The Volkswagen Caddy is a compact and stylish van that offers a great balance between performance and practicality. It has a refined and powerful engine, a smart and spacious interior, and a range of features, such as air conditioning, parking sensors, and a touchscreen infotainment system. The Volkswagen Caddy can be considered one of the most affordable vans to insure, as it often falls into lower premium groups. In addition to this, it has a high resale value and a strong reputation for quality and reliability.
The Fiat Doblo is a small and affordable van that offers a lot of space and functionality. It has a roomy and comfortable cabin, a robust and economical engine, and a range of features, such as power steering, ABS, and a CD player. The Fiat Doblo is also one of the cheapest vans to insure, as well as low purchase and running costs and a good safety record.
The Citroen Berlingo is a small and agile van that’s perfect for city driving and tight parking spaces. It has a large and flexible load area, an economical and responsive engine, and a range of features, such as electric mirrors, DAB radio, and lane departure warning. The Citroen Berlingo has low repair and servicing costs and a long warranty, making it one of the cheapest commercial vehicles to insure.
Commercial vehicle cover is essential for every van owner or user in Ireland, and it doesn’t need to break the bank. Opting for the most affordable vans to insure, coupled with the tips shared above, allows you to secure the ideal deal while keeping your costs down.
At InsureMyVan.ie, we understand the importance of reliable and budget-friendly van insurance in Ireland. With years of expertise, we offer comprehensive solutions with optional cover benefits for your commercial vehicle policy. To get a quote, visit our website or call us today.