Top 5 Cheapest Vans to Insure for New Drivers

In our previous post where we talked about cheapest insurance companies for young drivers, we highlighted that one of the factors that determine the cost of car insurance for young drivers is the type of car they want to insure. Because there are cars that are more expensive and demanding to maintain, than others. For a car that is more expensive to maintain, an insurance company is definitely going to charge you more than a car that requires less cost to maintain.

So, as a new driver that wants to start their driving journey with a Van, to cut your insurance cost lower, you need to go for those brands of Van that these insurance companies see to be cheaper to maintain. 

Factors That Determine the Cost of Your Van Insurance

As said already, most insurance companies check how easy it is to maintain a Van, in determining the cost of insuring a Van. In a break-down, and aside from this; there are other factors they also check to determine the cost of the Van insurance. They are:

1. Performance 

Permanence is one of the factors that insurance companies use to determine the cost of insuring a Van. They use performance to determine the risk level of a Van. For example, Vans with higher speed are seen to be more likely to be involved in damages, in this, cost higher to insure.

2. Weight

The heavier your car, the morse it may cost to insure. While the lighter the Van, the lower the insurance cost.  This is because, the heavier the van, the more damage it can cause when it is involved in an accident. 

3. Engine Size

Most insurance companies also consider the engine size in determining the cost of insuring a Van. This is because they see that the bigger the engine size of a van, the higher the speed and general performance, and the higher the likelihood of being involved in claims. This all translates to a higher insurance cost. 

What Kind of Van is Good for a New Driver?

It is not enough to just jump into getting a Van just because it is cheaper to maintain; as a new driver, you also need to check if such a brand is good for you as someone who is just starting to drive. 

Though the kind of Van to go far may really depend on the kind of job it’s to be used for; however, there are still some factors a new driver should put in place while getting one for themselves. 

Firstly, as a new driver, you need to consider the size of  a Van you want to get. According to EuropeCar, the worries of driving a Van especially for new Drivers are most likely to increase according to the size of the Van. This means that the bigger the size of a Van, the more worries a new driver might likely have about driving it. So, in this case, it may be nice as a new driver to go for a Van that is lesser in size, so that you won’t have much anxiety about the driving. As fear or worries for driving may be dangerous to you as a driver.

Secondly, as a new driver, your driving license covers only a certain kind of Van. Standard driving licenses permit you to drive a certain kind of Van. and heavier Vans may require additional qualifications to drive. So, you need to check what kinds of Vans that your driving license permits you to drive,and stick to those ones. 

So, in general sense, it is wise to go for more portable Vans as a new driver, because that will not give you much fear, also, you may not yet be qualified to drive heavier Vans as a new driver, if you just have a standard driving license.

Cheapest Vans to Insure for New Drivers

Now you have known the kind of Van tha a new driver should look out for, let’s now sieve out among them for those that will be cheaper to insure. Here we will be looking at the smaller sizes of Vans which are also cheaper to insure.

1. Mercedes Vito

If you are a new driver looking for a cheaper Van to insure, the Mercedes Vito may be a good option for you. The Mercedes Vito is known to be a mid-sized light commercial van. It was produced by the popular mercedes-Benz we know. It is a kind of multipurpose Van which can be used for various needs, and can carry up to eight passengers.

According to Just Kamper Insurance, it can cost from £255 and above annually to insure a Mercedes Vito. 

2. Volkswagen Transporter

Volkswagen transporter is a medium-sized, light commercial van which can be used for any kind of business. The lightweight and the medium size nature make this van a good option for one that is just starting to drive. And it is very cheap to insure.

According to Just Kamper Insurance, the cost of insuring a Volkswagen Transporter van can range from £200 and above yearly, depending on a number of factors.

3. Renault Trafic

Another Van that is cheap to insure for new drivers is the Renault Trafic. It is a kind of multi-purpose, medium-sized van that can serve different kinds of needs. Aside from being used for transportation or carrying items, it can also be used as a mobile office or workplace. You can convert it to a mobile workplace anywhere you drive to, by just folding the center seat to create a workplace.  According to Zego, it can cost about  £500 or higher annually  to insure a Renault Trafic van. 

4. Suzuki Jimny Commercial

Suzuki Jimny is one of the cheapest vans to insure for new Drivers. Suzuki Jimny is known to be a light van with a moderate size.  It can cost up to £550 yearly to insure, depending on the insurance company. According to issuu, the Suzuki Jimny Commercial has a maximum speed of 90mph, which is not too high to attract a high insurance cost.

Depending on what you want to use it for, the Suzuki Jimny can be used in transporting small items from one place to another.

5. Toyota HiAce

The Toyota HiAce is another option to consider if you are a new driver looking for a van that is cheap to insure. The  average annual premium to insure a Toyota Hiace van is £585.79, depending on some factors. 

Toyota Hiace is known to be a light commercial van which can be used as an ambulance, as a taxi, and even as a touring van.

Conclusion

Knowing that most insurance companies charge higher to insure new drivers, you can still reduce the insurance cost of your van by going for those kinds of van that are cheaper to insure. Some of the factors that determine the cost of insuring your van are the size, performance, cost of maintenance and repairs, etc. However, even while looking out for a cheaper van to insure, you may need to go for a smaller van as a new driver, as smaller van may give you lesser fear than the bigger one.