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Buying a van and taking out a van insurance policy can be a tricky task. There are countless factors you need to consider before you buy and to help you on your way, Gladiator has compiled a guide to vans and more importantly, van insurance.

We have tried to explain some of the principles of van insurance that people commonly ask us about, but obviously there may be something else you want to ask us about van insurance. If this is the case, please use the form HERE to ask us a question and we will email you an answer.


Voluntary Excess

This is an amount that you decide upon when you obtain a van insurance quote. By agreeing to take a voluntary excess on your van insurance policy, your insurer will usually reward you with a reduced premium as they know you are less likely to make a low value claim. It is worth adjusting the level of voluntary excess and see what effect it has on your van insurance quote. For example, agreeing to increase your excess by £100 may reduce your premium by £30.

If there is a voluntary excess on your van insurance policy, then you will have to pay it in the event of a claim. It is therefore important that you read through all of your policy documentation when you take out a policy to make sure that you are aware of all excesses on your insurance policy.

It is now quite common for companies to state your total excess to you at the point of quote rather than split it into Compulsory and Voluntary. The main reasoning behind this is that van insurance companies were finding that some customers were becoming confused as to exactly how much excess is payable in the event of a claim. Therefore, if you are quoted an accidental damage excess of £250, it may be made up of a compulsory excess of £150 combined with a voluntary excess of £100.