Mini Clubvan should attract cheap van insurance

Do you remember the Mini Clubman? Well, they say you can’t beat the old classics, don’t they, and the motor trade reinvents old concepts like they’re going out of fashion. And Mini are no different, rehashing the Clubman into what has been paraded at the Geneva Motor Show as the Mini Clubvan, and is coming to a showroom near you before the end of the year.

Originally branded as the Cargo at concept stage, it was too tempting, one supposes, to play on the original name and announces Mini’s return to the light commercial vehicle sector, albeit with a little help from the Beamer boys back home in Germany.

With the entire motor trade being dangled by political aspirations and global drives to reduce CO2 emissions whilst improving efficiency overall, the historical economy of the Mini fits right in with the trend of global manufacturers blowing off the design concepts of mini- or city-vans.

Sticking to the small car base model should not only encourage cost-savings on fuel savings but also enable van drivers to secure cheap van insurance, too. In addition, with German engineering and proven technological superiority in many fields, wear and tear should be reduced to a minimum, too.

Although it is aimed at the light commercial vehicle market, there is a very specific niche that this model is envisaged to attract. Mini has worked hard, with its BMW parent, to promote the image of the classic small car. It is hoped that the ‘fun’ element will carry through from the domestic market and hit home with high-end small businesses.

Of those industries, it is expected that crafts such as fashion houses, photographers and art dealers will benefit from the manoeuvrability around town, making collections or deliveries to boutiques and shop fronts on busy high streets or shopping centres, as well as the envisaged savings on fuel and possibly the cheapest van insurance on the market for a commercial vehicle.

In order to increase the accessibility and loading capability using such a small base model, the five door van will be a two-seater with partition grill up front, beyond which is a complete flatbed with simple attachments for fastening loads during transit and 2 x 12v sockets for charging hand tools or, more likely, laptops and tablet devices.

Externally, the panels and paintwork are in the trademark Mini Cooper British Racing Green, perfect for cheap van insurance-friendly logo and livery signage, with the rear door windows almost black with tint to keep out prying eyes.

With any luck, this new Mini Clubvan will help keep your van insurance quotes to an absolute Minimum.

Protect the tools in your van – don’t be one!

In recent weeks we have seen headlines warning van drivers about all manner of thefts taking place. From motorway pirates finding ingenious ways of pulling up alongside vans on motorway service station car parks and A-road lay-by cafés to criminals breaking and entering to rid commercial vehicles of entire exhaust systems for resale in the capital to satisfy the need for low-emission output in the London Low Emission Zone.

That doesn’t rule out the more straight forward robberies, with plenty of unguarded vans being targeted for the potential loot they have in the back by opportunist thieves. Whatever the method, the resulting effect on the drivers’ once-cheap van insurance has been the same: loss of no claims bonus and higher premiums, plus the ball-ache of having to await repairs or replacement kit. And that’s assuming that goods in transit / tool cover has been taken out on top of the base cheap van insurance policy.

The one aspect of many of these reports has been the fact that they have, in the main, taken place in largely urban, sprawling communities, such as Manchester, Birmingham and in the North East. However, it would appear that van thieves are no longer letting the class divide decide who will make good targets as there are more reports of break-ins coming to our attention, this time from the rather upper-class area of Newmarket.

One of the lessons that police and insurance companies try to instil in us is always leave your car locked, fit security devices as both a deterrent and a method of lowering your van insurance quotes, and never leave valuable items on display to put temptation in front of the opportunist who’s in no way averse to making a score down the local boozer for your laptop, regardless of the fact that it may have cost you closer to a grand.

As has been the case with the two Astra vans that have been the victims of break-ins in the race course town, both vehicles having access gained through windows, the goods stolen can physically be replaced, providing you have the appropriate ancillary cover. What cannot be replaced is all of the information on the hard drives of laptops or tools that you had personalised or honed to suit your style of working, perhaps over a number of years.

If you want to keep you van insurance cheap, do not leave valuable goods on or under your van’s front seat; keep them locked away out of sight.  Or better still, take valuable items with you and invest in labels that clearly state all valuables are removed, thereby protecting your no claims bonus, thus keeping your van insurance as cheap as possible. Protect your tools, don’t be one!

Only take out van insurance you need

Taking out new van insurance can be just one of those aspects that the regular tradesman puts up with in any financial year and rushes through it just to get it done. But that could be costing businesses, even small ones with limited fleets.

The reason for this is simple – van insurance basics can be sold as part of a package that include aspects not required by law; for ease, business men and women just accept the van insurance quotes as they come, without checking that all of the items covered are applicable to their modus operandi.

Another temptation for van drivers is to have the cheapest van insurance of all – none! They assume that because their driving skills are superior, they would rather take a risk and run the gauntlet of taking to the roads without even the minimum legal requirement – third party only van insurance – thinking that their driving abilities alone will keep them claim-free.

There are many recorded instances of accidents involving uninsured drivers being involved in accidents. Whether it’s because they’ve accrued many points and the van insurance quotes are excessive or they simply choose not to take out cover, the effect is the same. If they’re involved in an accident, there fault or not, the cost of repair or damage to human life can often be too much for them or their business to bear.

Van insurance is all about striking the right balance – ensuring your van is covered for any eventuality you may encounter during your day to day business but not paying over the odds for components you do not need. If you only use your van for local collections and deliveries, for example, it is worth checking that the van insurance policy does not include an extra cost for a Green Card allowing travel on European roads.

A van driver must be quote brutal when taking out insurance and get into the habit of dropping the ‘just in case’ parts of the policy, without being detrimental to the cover he or she needs, and concentrate on aspects specific to their day to day operation.

This truly is one of the advantages of comparing van insurance quotes online – you literally build up your bespoke cover as you go, deleting characteristics as you go that are not critical. If there is something that is included that you’re not sure of, most online van insurance forms have full descriptions on their site for anything you’re uncertain of.

Will VITO E-Cell prove turning point in EV take-off?

There have been plenty of brands and new models vying for top spot at this week’s Geneva Motor Show, from supercars to vehicles that will become high-end collectibles before they’ve even gone into mainstream production. But one of the surprise highlights has been the interest in the Mercedes VITO E-Cell Crew Bus.

You can almost hear the sigh of relief from the EV sector, who have tried everything to drum up interest from offering huge plug-in grant discounts off retail prices to marketing the fuel savings, many trade columns even highlighting the fact that the battery-powered range will invite cheap van insurance, but to little effect, thus far.

It’s almost as if the automotive sector have seen the electric van as something of a novelty, perhaps deemed okay for the domestic car, but an electric vehicle put through its paces in a commercial sense? The market has simply not been convinced.

One of the key sticking points thus far, echoed by many men and women of influence within the trade, is the slow progress in the roll out of plug in charge points. Any savings to be had on cheap van insurance would be negated if your van ran out of juice half way between Liverpool and Bristol and the one top-up meter en route was out of order. The resulting 740 stations from a target of 7,100 has just not convinced industry that battery power is a viable option. Yet.

However, the fact that one of the ‘big’ brands has now produced and is actively marketing a larger electric commercial may cut those who are responsible for meeting emission targets some slack, as there has been a very real interest in the Mercedes model this week in Geneva.

The VITO E-Cell is being looked upon as the ideal carbon-free vehicle for ferrying up to seven passengers around emission-sensitive zones, such as the London LEZ and densely populated estates in other areas of the country. With 100 mile range on one charge at optimum driving levels, it is hoped that this will deliver on certain journeys in built up areas, especially for minibuses that operate privately for communities that have special needs, such as the elderly or members of our society with learning or physical disabilities.

Many of those organisations are not for profit or operated by public sectors that have huge budgets but also the responsibilities of staying within target. It is hoped that they will see the fuel savings and cheap van insurance as a tool they can work with, rather than it work against them, winning them plaudits rather than vilification. For those that are, fifteen countries are scheduled to launch the VITO E-Cell in May, so not too long to wait to see whether interest is just passing or enough has been done to turn that curiosity into sales.

There is a long way to go, yet, down the road for the electric van; let’s hope it’s got the juice to make it.

SMMT showcase electric vans at Westminster base

Due to their recent appointment to Westminster, SMMT have found themselves with fashionable floor space at the chambers’ heart. What better place for them – and the government – to showcase the electric vans that are supposed to be bringing us cost savings on everything from the retail price, to (substantially) fuel and cheap van insurance?

Despite the lack of popularity for the electric vans and the country being offered bungs for incorporating them into their range, SMMT have decided to parade three of the brands that appear on the government’s shortlist for those manufacturers and models that can claim up to £8,000 off the list price. Mmm, nice!

zWeb is a unique feature of Peugeot’s eBipper, the petrol/diesel model transmigrated into an electric van by Allied Electric. The zWeb literally is an eye in the sky as it monitors an engine’s performance from a distance; its technology even assesses each battery cell for charge and temperature so that the battery delivers optimum performance, adjusting energy input to suit the driving conditions.

Many larger organisations are turning to fleet management power houses in an attempt to deliver cost savings on fuel, wear and tear and thus reduce van insurance premiums; the zWeb, in effect, is doing just that through this intuitive software.

The Smith Edison, by Smith Electrical Vehicles, goes to the other end of the spectrum. From the compact Bipper, we see how electric vans can cope in larger models through Smith’s chassis cab, based on the best-selling Ford Transit. As well as showing that size needn’t be a stumbling block for battery-powered vans, this model shows diversity, too.

The chassis cab, being the variation on show at the SMMT Westminster exhibition, comes as a minibus, for carrying crew to and from site, adaptable chassis and the classic panel van, and also offers a spectrum of weight classes, from 3.5 to 4.6 ton (gvw). The chassis variation permits all the versatility you would expect, allowing the back end to be modified for the specific use the businessman has in mind, whether that is delivering refrigerated and frozen food stuffs, box wagon, flat bed with drop side or even a tipper van for loose loads for construction or rubbish.

Smith Edison has really looked into what is holding consumers back from opting for electric vans, cheap van insurance notwithstanding, with additional features that will make the transition smooth and painless.  More tomorrow when we look at what those improvements to battery life mean in real terms and will look at the Azure Dynamics’ Transit Connect, another electric van based around the old Ford classic.

2012 budgets blown on day one on van insurance renewal

The problem that many small businesses and sole traders are going to face next month is, as it’s the start of a new financial year, just how much keeping a commercial vehicle has gone up since this time last year. Many organisations take stock at the end of March and, based on history, plan a budget for the following year. In many instances this is to satisfy the bank manager as much as themselves, but it shouldn’t be.

What small businesses may struggle with this April is sticking to a budget right from the outset when the cost of cheap van insurance has risen so dramatically, given the amount of spurious ‘whiplash’ injuries automotive insurers are having to pay out – irrespective of the fact than van drivers remain amongst the safest on UK roads, they will still bear a brunt of that responsibility on their shoulders. Totally unfair, but c’est la vie, mon ami.

It is therefore highly recommended, before drawing up a finalised budget for the beginning of the imminent tax year, to check exactly how cheap van insurance still is, if at all, compared to last year. The best way to do that is to compare van insurance brokers online before committing to the historic provider. Yes, there may be the incentive of the no claims bonus to take into consideration, but most insurers now are offering discount to new policy holders commensurate to at least part of any no claims that the new customer has accumulated against their previous cheap van insurance policy.

Even if only one van insurance comparison site is checked, the driver has a tool to hammer down price

Even if a commercial vehicle driver chooses to look at only one compare van insurance online site, they have a negotiating tool – providing it is a ‘like’ van insurance quote – to beat their existing broker down with. There is absolutely nothing to lose by at least asking for a discount, especially if there is evidence elsewhere of even cheaper van insurance than the driver is already privvy to.

Given the bleak economic outlook, now might not be the time to think of investing in new equipment. However, there are some elements of van driving that literally pay for themselves, security being one of those aspects.

Absolutely anything a small businessman can do to shore up their light commercial vehicle will be looked upon favourably by the van insurance broker. These desperate times have led to more break-ins in the early part of this year than many that have gone before it. Even deterrents such as steering locks or immobilisers can save money on a van insurance renewal quote, especially if those measures can be backed up with a secure lock-up over night.

It really is nearly that time of the year, again. If you don’t want to be one of those van drivers shocked into a faint next month, do yourself a favour and build the appropriate amount of van cover into your budget by comparing van insurance quotes using our database of over sixty providers, while you’re here.

Will we have to wait longer for our quality used van?

In a recent report compiled by Prof Peter Cooke at the behest of British Car Auctions, there are grave concerns surrounding the supply of used vans and light commercial vehicles on the road ahead. This is bad news for van drivers, especially young drivers or those with a high number of points on their license, who are hoping to find cheap van insurance by investing in a second-hand van.

The professor, operating out of the University Centre for Automotive Management in Buckinghamshire, also suspects that the decline in quality used vans will have a huge impact on small businesses, too, historically the biggest single market sector for second-hand vans up to the age of five years old. For the smaller business who has perhaps only a tight budget and had only forecast for a cheap van insurance policy as well as a low cost van, this is one hurdle they will not fancy jumping, especially with fuel in an unseemingly unstoppable spiral upwards.

What has caused the shortage in used vans?

According to Professor Cooke, the well will soon run dry for two reasons, both to do with finance and organisations looking at their own fleet running costs, themselves perhaps trying to reduce their fleet van insurance costs by holding onto their vans for longer.

In the first instance, we have to look back to 2009/2010, when the recession had the country in a grip of fear that saw some of the biggest brands disappear from our High Streets forever. At that time, there was very little investment in new commercial vehicles.

There were, however, a large number of used vans available on the market this time last year, but that was as a product of some of those larger names falling by the wayside. Demand was high for those vehicles and, although there were unusually high numbers going through the auction rooms at that time, prices held up relatively well, falling back less than two points.

The secondary reason  why there are so few used vans of quality, which is why young drivers are going to struggle to get cheap van insurance through this traditional route, is that those companies that did invest in new fleet shortly before the recession took hold are holding on to their vans. The recycle pattern is being stretched out as no one is at all confident that the country – indeed, the world, is not going to slip back into a double-dip recession.

Perhaps there is another reason, too. Due to vans and their engines becoming more efficient due to CO2 compliances, companies are not only having to hold on to their commercial vehicles for longer, but are finding that this is not only protecting their liquid assets, but also delivering tremendous cost savings. As the vans depreciate, their value lessens, therefore their van insurance quotes get cheaper, without any massive effect in off-road time or performance.

Perhaps the qualification period for ‘quality’ used vans will now have to be stretched and, those once in the market for low cost used vans and cheap van insurance will have to wait for seven or eight year old models to come to market, as efficiency improves.

Smartphones are a boon to van drivers if used properly

There is no denying that, through innovations in fleet management technology, organisations are delivering cost savings on multiple platforms, from reduced fuel consumption, less off-road time through reduced wear and tear and cheaper van insurance through improved driver training, coupled with less daily mileage.

One surprising aspect of technology that the casual observer may not automatically associate the common-or-garden van driver with is the use of the Smartphone, but that’s exactly what’s happening in cabs and behind the wheels of UK light commercial vehicles.

Swinton Commercial, who place a huge amount of emphasis on delivering the cheapest van insurance possible based on its countless research projects, have recently compiled a study based on exactly how and what hi-tech devices Britain’s van drivers are using to find that Smartphones are way out in front of any other device, as far as popularity of use goes, although not always for business reasons, as Phil Moss, Swinton Commercial’s CV Manager points out.

The results of the survey show that well-thumbed A-Zs, with broken spines falling open on the pages containing the van drivers most popular routes, hardly even qualify for a place in the glovebox, these days. Whereas the sat-nav was the in-gadget up until only very recently, tablets and their smaller hand held equivalents are now the device of choice for many of today’s commercial vehicle drivers and can provide a similarly good service through implementation of free software such as Google Maps.

Mr. Moss does, however, make an extremely valid point, encouraging the tech-savvy van driver to retain the responsibility to know when to use the device for business purposes, rather than check up on social media updates that can stream continually through the device.

The very real worry is that, by taking their eye of the ball, van drivers can seriously jeopardise a previously cheap van insurance policy by being distracted in what would otherwise be an avoidable minor incident.

As we recently reported here on cheapvaninsurance.co.uk, this is a major frustration for fleet managers who are trying to remain within budget when it seems that, with company vehicle tax thresholds and record fuel prices, everything is conspiring against them. Needless claims on fleet van insurance are headaches that they can truly do without.

Yes, Smartphones are great for avoiding roadworks and accidents or even sending e-mails directly back to the office whilst on the road, when used appropriately; but van drivers are reminded that keeping their eye on the road in front of them is the key to bringing that additional technology to optimum fruition.

Tachotrain driver management to showcase at C V Show

The world of commercial vehicle management is changing at a pace that is unprecedented. New innovations in technology are not only governing the amount of miles by which van drivers can reduce their route, through incorporating intelligent fleet management systems, the way van drivers perform whilst out on the road can also be analysed.

This is fantastic news for fleet managers looking to save money and get a cheap van insurance deal; if they have evidence of improved driver qualifications to show to their insurer or broker, they’ll not only see reductions in their van insurance quotes but also improvements on their budget’s bottom line.

The theory is simple – the better the van driver, the less accidents; the less accidents, the less time taken up dealing with claims and off-road time; the less claims and off-road time, the cheaper van insurance expenses are and better productivity delivered all around for the entire fleet. As the whole industry wakes up to the fact that it is by investing in drivers as well as technology, new innovations are populating the market to accommodate this new way of thinking.

The 2012 CV Show will see another modernisation in tradition that will hopefully make fleet drivers’ performance leaner and more conscious themselves of their driving activity. Tachotrain has been referred to as a ‘revolutionary’ tool to enable van drivers to undergo periodic tests based upon a report generated from tracking and monitoring their driving patterns. This will keep them updated on critical driving legislation and health and safety regulations by way of engaging in multiple choice tests through a virtual training facility.

Built into the system are directives from several key aspects of law, including driving hours (as you would expect, from Tachodisc, the company behind Tachotrain), road worthiness and transport directives. Aspects of training can often be seen as unproductive and scheduling such assessments can often conflict with an employees commitments. However, this piece of kit even incorporates a way around that.

By feeding in employee-specific information, the report can be ran on a number of headings, from work location to employee job title, from depot to management upline, enabling the scheduling of the online assessments, which can be undertaken as long as the software is installed on a PC and there is a working internet connection.

The reports generated by Tachotrain truly are flexible; the insights they give into driving trends and ongoing staff development can significantly reduce costs on man hours, fuel cost and fleet van insurance, when deployed correctly.

The CV Show runs from April 24-26th inclusive at the Birmingham National Exhibition Centre.

Is your second hand van all it’s cracked up to be?

Buying a second hand van may be good for cheap van insurance savings, but unless you go through a recognised dealer, you are always leaving yourself open to unscrupulous individuals who are looking to offload a van that is either not entirely what it seems or has a hidden past, according to two separate reports this week.

In the first report in the Northern Echo a family, a criminal gang consisting of a father and two sons, is facing custodial sentences for illegal tampering with odometers. Concentrating on the luxury car and light commercial vehicle market, Alfred Welch Snr and his two sons Alfred Jnr and James have been found guilty of resetting the mileage clocks of more than forty vehicles in a racket suspected to be worth half a million pounds.

The three will face sentencing at Teeside Court next week after police interviewed 140 witnesses over a four year period from all corners of the UK and EIRE in an operation they tagged Sledgehammer. The authorities were tipped off following complaints made to industry watchdogs as the family routinely purchased high-mileage vans at auction, wound back the clocks and sold them on for an elevated price more than what they were worth.

This has a damning effect on the new owners who believe they are buying genuine mileage vehicles, an aspect that many van insurance brokers incorporate into their van insurance quotes when calculating premiums for commercial vehicle drivers. Should any parts be subject to more wear and tear than records suggest, it highly unlikely that the broker will pay out in light of any claim.

In connection with this, HPI have this week been promoting awareness of the facility they provide for background checking any second hand van that tradesmen may be in the market for.

Kristian Welch, HPI’s consumer director – and no relation to the Welch family in question in the above court case, as far as we’re aware, is heightening van drivers awareness of the fact that, according to their research, a quarter of vehicles may be subjected to finance issues that have not been resolved by the owner selling it. And to add to that misery, it is believed that one in ten are write-offs that have been repaired and resold on the open market. This again could lead to problems in light of any incident as the unfortunate new owner would find his van insurance policy mute if the vehicle had been adjudged unroadworthy as a result of a prior accident.

At HPI, their service includes a full background check on the vehicle ever having been registered as a write-off, checks out the financial status and includes a mileage check as standard. For the sake of a quick check on a potential van you are considering buying, running the its details through a service such as this will not only avail you of cheaper van insurance with your documented history but also give you peace of mind that you are driving the vehicle you hoped to find when you parted with your cash.

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