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Tips on how to avoid overspending on van insurance

Posted: Wednesday, June 25th, 2025

With van break-ins up by a worrying 14% compared to last year, insurance premiums have shot up as a result. Clive Holland has a chat with Kara Gammell from MoneySuperMarket to learn how tradespeople can get lower premiums on their van insurance. 

Kara explains that several factors influence the cost of an insurance premium, including the vehicle's value, age, security features, the vehicle's purpose (social, business, or college commuting), driver details, driving convictions, insurance claims, and occupation. 

"Some job roles tend to attract higher premiums - for example, careers in the transport industry which involve a lot of driving," she adds. 

To avoid paying high premiums, Kara suggests shopping around and comparing prices annually. "This way you can get the best deal for your circumstances, whether they change from one year to the next, and this helps bring the cost down." 

Another tip she offers is adjusting the job title without making it inaccurate. She also adds that increasing the security on your van to prevent tools from being stolen can also help reduce the need for a claim, and in turn lower the premium. 

"Increasing security on your van can include having a high-security tool chest and parking strategically in areas with CCTV cameras." 

Listen to the full podcast here
 

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