Here we look at what you need to consider when looking for the best any driver van insurance.
Can you take out van insurance any driver?
If you are a business owner and need multiple drivers to drive a single or multiple vehicles then this insurance is designed for you.
Gone are the days where you would need separate insurance policies to insure multiple drivers, with van insurance catered for any driver you can keep all your eggs in one basket.
Do you need a special drivers licence?
All your drivers will need to be over the age of 25 to be covered as standard, however if you contact the insurer they may provide cover for a drivers under this age.
All drivers will also need to have held a clean driving licence for at least 12 months, if this is not the case then you will need to contact the insurer to see if cover can be provided.
Why do you need to insure a van for any driver?
If you require multiple drivers to use your van then adding them all to a single van insurance policy could be a huge cost saver for you.
Depending on how many drivers you will need to insure you will have the option of declaring each individual driver on the policy; however if you have a large workforce it is not always ideal to specify every driver due to staff turnover etc.
Having your policy set-up as "any driver" allows you to provide insurance for all your drivers, as long as they are over the age of 25 and have held a clean driving licence for the last 12 months.
Do you benefit from specifying your drivers?
If you have a small number or consistent set of drivers then you can specify them on your any driver van insurance, but it is not always necessary. If you continue without registering your drivers, they will still be covered as long as you have chosen to cover "any driver" under your any driver van insurance.
With any driver van insurance the only difference to the set-up of the policy is that you have the option of having multiple drivers, whereas standard van insurance you are restricted to how many drivers you can have driving your vehicle.
The level of cover is the same as with standard van insurance in relation to mileage limits, condition of your vehicle etc.
What are the benefits of any driver van insurance?
The cover available on van insurance for any driver policies matches what's available with standard van insurance.
The following breaks down what is required by you as a driver when taking care of your van:
- Your vehicle and vehicle windows are locked, and security devices activated when your vehicle is unattended.
- Tyres on your vehicle are within the legal requirements.
- You keep personal belongings out of sight when your vehicle is unattended. You are not covered for any goods, tools or samples which are carried as part of any trade.
- You have a valid MOT certificate.
Most standard van insurance policies will allow you to add up to a maximum of 4 drivers on a vehicle.
How much does it cost?
If you already have van insurance and you only need a maximum of 4 drivers, call for a quote on an upgrade and then compare the total cost with other any driver van insurance quotes whilst maintaining a like for like cover.
If you use multiple drivers on a policy you are more likely to claim. Therefore it's important to consider how much you will set as your vehicle excess. If you keep your excess high for a cheaper overall policy you could pay more in the event that you claim.
You can check the policy price at a quotation stage to see what impact the excess will have on your overall cost. You can then determine what excess amount and cover you need so you can search online to compare prices to match your needs.