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.

Please select... Why does my van insurer ask so many questions? Previous Van Claims History Number Of Drivers and Van Insurance Driving Convictions & Van Insurance Mileage & Van Insurance Occupation & Van Insurance Security & Van Insurance Vehicle Value & Van Insurance Vehicle Age & Van Insurance Vehicle Use & Van Insurance Your Address & Van Insurance Should I always choose the cheapest van insurance quote? Why does my price keep going up? What is Public Liability Insurance? What is Employers Liability Insurance?

Why does my price keep going up?

A lot of people are confused as to why their van insurance policy costs more each year. In a lot of cases your price will rise, even if you have been claim free for the year, not changed any of your circumstances or your vehicle. This can even be true for people with maximum No Claims Bonus.

The simple reason is that van insurance companies are forced to put prices up most years to cover the operational costs the industry experience. As mentioned elsewhere in the buyer’s guide, van insurance companies have to contribute each year to the Motor Insurers Bureau fund to cover the costs of claims involving un-insured drivers. This contribution is rising each year as there are more uninsured drivers on the road.

In addition, the costs of everyone’s claims are rising. More people are claiming for personal injury than previously, and with the increase in the number of new vehicles on the road, van insurance companies have to pay higher amounts for repairs or replacements to vehicles involved in claims.

The knock on effect to all of this is that we have to pay more for our van insurance policies.