Regardless of where you live, it’s very important to carry good auto or van insurance. Northern Ireland drivers have a lot more responsibilities when it comes to insurance than drivers living in other areas of the UK. Obtaining good affordable auto or van insurance has been difficult in Northern Ireland because of the years of civil unrest that has surrounded Northern Ireland.
With so many years of hostile activities surrounding Northern Ireland, many of them involving motor vehicles, insurance on all motorized vehicles is either not offered by many insurance companies or is offered at very expensive premiums. Due to a lack of competitors insurance has for the most part remained high.
Van insurance Higher Than Cars
Northern Ireland has a very high rate of reckless driving, speeding, joyriding and using vehicles for illegal activities, all circumstances and actions that have made insurance as expensive or unattainable as it is.
Northern Ireland, along with other parts of the UK, requires a Ministry of Transport test (MOT) to be given to every vehicle older than three years. The MOT is an annual test which checks the safety of the vehicle, its roadworthiness and its exhaust emissions. Larger vans have a failure rate that’s almost 10% higher than small vans and cars. Typically failures include brakes and suspension.
Over 25% of van owners and drivers fail to get their MOT certificate signifying that the vehicle has been successfully tested and which typically affects your insurance. If you fail to have an MOT you may be fined and your insurance may be invalid.
Once the insurance is invalidated, the premiums typically often increase when the driver completes the MOT and attempts to get the insurance once again. This is a major reason for higher insurance premiums on vans than what car owners have to pay.
Lower van insurance premiums are possible
As with state of Northern Ireland being under less distress and turmoil, drivers are being more cautious with their driving as well as exhibiting concern over the security of their cars and vans. These are contributing to more van insurance companies offering van insurance coverage. Other things van owners could usually do to get lower premiums is driving safer, making sure their van is safely locked each night and providing it with a good security system. If you offer to pay for your van insurance yearly rather than making monthly payments you may also save on the van insurance northern ireland.
