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Drivers over the age of 50 usually tend to have many years’ experience on the road, alongside a nice build-up of No Claims Bonus (NCB) to support them. Thanks to this, they are often rewarded with lower insurance premiums.

The benefits of over 50s van insurance

Statistics show that older drivers are less likely to be involved in a road accident than younger drivers and will therefore make fewer claims. This, along with the wealth of experience behind them, means most over 50s benefit from low cost insurance premiums.

Typically, the average cost of insurance drops as you get older, until you reach 70 when they slowly start to rise again.

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Over 50s van insurance advice and FAQs

How much is over 50s van insurance?

The cost of van insurance varies depending on factors such as your driving history, where you live, your job and your vehicle, but as a driver aged 50 or over, you are likely to benefit from fairly low-cost insurance premiums.

Unfortunately, no matter your age, if you have convictions on your licence or you’ve made numerous claims, your van insurance premium will usually be more expensive than somebody with a clean licence and lots of NCB built up.

How is over 50s van insurance calculated?

Insurers assess lots of different factors before they calculate your van insurance premium and each one of them impacts the amount you pay. Some of the most important factors used to calculate your risk profile and your van insurance premium include:

  • Your driving history – those with previous motoring convictions will have a higher premium, however many over 50s drivers will be able to benefit from cheap van insurance due to their many years of experience on the roads.
  • How you use your van and the policy type – a personal van insurance policy usually costs less than a business van insurance policy because a business van policy needs to cover you for more eventualities than a personal one.
  • The vehicle you are insuring – small, low powered, standard vans are cheaper to insure than big, high-powered, modified vans. The amount of mileage your vehicle has is also a factor; generally, the lower the mileage, the lower the insurance.

How can I reduce the cost of over 50s van insurance?

There are a few things you can do to help reduce the cost of any van insurance premium, including:

  • Paying annually
  • Increasing the vehicle security
  • Removing any modifications
  • Reducing your mileage.

Find out more about how to get the cheapest van insurance quotes here.

Remember, comparing different quotes from different insurance providers is one of the best ways to make sure you get the cheapest van insurance quote.

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