How much does comprehensive insurance for a double cab cost?

Comprehensive insurance for a double cab van costs between £700 and £2,500 per year on average, depending on factors such as the value of your vehicle, the number of business kilometres you drive, your no-claims discount and your postcode. New double cabins with a high current value usually fall into the higher segment, while older models are cheaper to insure. In this article, we answer the most important questions about comprehensive insurance for double cabins, so that you can make an informed decision.

What is the difference between comprehensive and third-party insurance for a double cab?

Comprehensive insurance covers all damage to your double cab van, including damage you cause yourself, while third-party insurance only covers damage to others. With third-party + insurance, you get extra cover for theft, fire and natural damage, but damage to your own vehicle caused by your own fault remains uncovered.

For double cabins This difference is important for vehicles that are used intensively in construction, technical services or transport. These vehicles are often found at busy work sites, drive through tight construction sites and are subjected to heavy loads on a daily basis. A wrong manoeuvre, damage caused by loading work or a collision on site can quickly result in thousands of pounds in repair costs.

With third-party insurance, you pay for this entirely yourself. With third-party plus insurance, you are covered against theft and fire, which is certainly useful, but not against damage caused by your own fault. Comprehensive insurance does cover these situations, including vandalism, parking errors and damage during loading and unloading. For companies that need their double cabs on a daily basis, this prevents unexpected large expenses that could disrupt your business operations.

Another difference lies in the compensation paid in the event of a total loss. With comprehensive insurance, you will receive the full current market value or, in the case of newer vehicles, sometimes even the new value. With third-party liability and third-party liability plus insurance, you will only receive compensation if someone else caused the damage. For a double cab van with a purchase value of £30,000 or more, that is a big difference.

What factors determine the price of comprehensive insurance?

The premium for comprehensive insurance is determined by the value and age of your double cab, the number of business kilometres, your no-claims discount, the chosen excess, your postcode, the age of the driver and your claims history. The higher the value and risk profile, the more you pay.

Value and age of your vehicle are the most important factors. A new double cab costing €40,000 costs more to insure than a five-year-old model worth €15,000. Insurers look at the replacement value in the event of damage or theft. Newer vehicles also often have more expensive parts and technology on board, which increases the premium.

Business mileage also plays a major role. If you drive 40,000 kilometres a year for your business, you are statistically more at risk of damage than if you drive 15,000 kilometres. Insurers charge a higher premium for this. Be honest about your expected mileage, because in the event of damage, the insurer will check this and an understatement may result in a reduction in the payout.

No-claims discount can significantly reduce your premium. With five claim-free years, you can often save 50% to 70% on your basic premium. Some insurers even offer special business no-claims schemes where minor claims do not affect your discount. This is useful for double cabins that are used intensively.

Excess determines how much you pay yourself in the event of damage. A standard excess of €250 keeps the premium affordable. If you opt for an excess of €1,000, your premium will decrease significantly, but you will pay more out of your own pocket for each claim. This can be advantageous for companies with a healthy buffer.

Postcode and parking location make a difference. Commercial vehicles in urban areas with higher theft rates cost more to insure than in rural areas. A locked-up site or garage reduces the risk and can lower your premium. Some insurers offer discounts if you install security measures such as tracking or extra locks.

Age and experience of the driver also count. Young drivers under the age of 25 often pay a surcharge. Companies with multiple drivers must take the youngest driver into account in the policy. Experienced drivers with a clean driving record usually receive more favourable rates.

When is comprehensive insurance worthwhile for a double cab?

All-risk insurance is advisable for new or young double cab vans, vehicles with a current market value above €15,000, intensive use in high-risk environments such as construction sites, and when leasing or financing. For older vehicles with a low value, third-party liability insurance is often sufficient.

For new double cabins, comprehensive insurance is almost always advisable. Your vehicle will retain considerable value for the first three to five years. An accident or theft without comprehensive insurance means that you will have to pay for most of this investment yourself. With leasing or financial leasing, comprehensive insurance is often mandatory, because the financier wants to prevent you from being left with a total loss and a residual debt.

Intensive commercial use on construction sites, in technical services or transport puts your double cab at greater risk. Cramped work areas, reversing with limited visibility, loading and unloading under time pressure: all these factors increase the risk of damage. All-risk insurance prevents every parking dent or collision from becoming a financial setback. For companies that rely on their vehicles on a daily basis, peace of mind is important.

WA+ may be sufficient for older double cabins with a current value of less than €10,000. This covers you against theft, fire and natural damage, while paying a lower premium. Calculate your annual savings and whether you are prepared to pay for repairs yourself in the event of your own fault. If you have multiple vehicles and can temporarily do without one double cab, third-party liability + is often a smart choice.

Also consider your business situation. Start-up entrepreneurs with limited budgets sometimes opt for third-party liability insurance on older vehicles to reduce costs. Growing companies with newer vehicles and a dependence on their fleet more often opt for comprehensive insurance to limit business risks. Make this decision based on your cash flow, the value of your vehicle and how much risk you can bear.

How Van Den Hurk assists with insuring your double cab

We understand that the right insurance for your double cab van is just as important as the vehicle itself. That is why we work with specialist insurance partners who know exactly what commercial vehicles have to contend with. Whether you choose to buy or finance lease, we will work with you to find the insurance that suits your situation.

Our support includes:

• Personal advice which cover suits your type of work and vehicle use
• Collaboration with Bovemij, specialising in insurance for the transport sector, with lettering up to €2,500, work risks of tail lifts and legal assistance included as standard.
• Guidance on financial leasing, whereby you arrange your own insurance and benefit from your own no-claims years
• Transparent information about what is and is not covered, so that you do not encounter any surprises
• Continuous service after delivery, because good insurance is part of a reliable commercial vehicle

Insurance is often included in lease options, or we can arrange a suitable package for you directly. When purchasing, we help you make the right choice between third-party liability, third-party liability + and comprehensive insurance, tailored to the value of your double cab and your business risks. This way, you can drive with peace of mind.

Would you like to know which insurance best suits your double cab? Please contact us for personal advice. We will look at your situation together and ensure that you are properly insured when you take to the road.