Many van lifers take a break during winter. If your van is sitting in storage or on the driveway, you're paying for insurance you don't need. Here's how to reduce your premiums during the off-season.
Laid-Up Cover
Laid-up cover (also called "storage insurance" or "off-road cover") is designed for vehicles that aren't being driven. It covers the van against theft, fire, and damage while it's parked up.
What It Covers
- Theft and attempted theft
- Fire and weather damage
- Accidental damage (depending on policy)
- Third-party liability (if someone is injured on your van)
What It Doesn't Cover
- Driving the van
- Breakdowns
- Personal belongings inside the van
Cost
Laid-up cover typically costs £50-100/year — significantly less than a full insurance policy.
How to Reduce Your Premium
Declare SORN
If the van is off the road, declare a Statutory Off Road Notification (SORN) with the DVLA. This means you don't need road tax, and it can reduce your insurance premium by 10-20%.
Increase Your Excess
A higher excess means a lower premium. If you're not driving the van, you're less likely to need to claim. Set the excess at £500-1000 to maximise savings.
Reduce Mileage
If you keep full cover but drive less, declare a lower annual mileage. Most insurers offer discounts for under 3,000 miles per year.
Use Storage Discounts
Some insurers offer discounts if the van is stored in a locked garage or secure compound. Check if your storage facility qualifies.
Pay Annually
Monthly payments often include interest. Paying annually can save 10-15%.
Storage Tips
Battery
Disconnect the battery or use a trickle charger. A dead battery in spring means a breakdown call-out on your first trip.
Tyres
Over-inflate tyres slightly to prevent flat spots. Alternatively, move the van every few weeks.
Moisture
Leave windows slightly open (if secure) or use moisture absorbers. Mould is a common problem in stored vans.
Vermin
Seal any gaps where mice or insects could enter. Use peppermint oil or electronic repellents.
Security
Use a steering wheel lock, wheel clamp, and alarm. Store in a well-lit, secure location if possible.
When to Switch Back
Switch back to full cover at least a week before you plan to drive. This gives you time to sort out any issues with the policy.
Conclusion
Winter storage insurance can save you £200-300 per year compared to full cover. Declare SORN, increase your excess, and use laid-up cover to keep costs down during the off-season.
