Introduction
The Nissan Navara has become one of the most popular pickup trucks in the UK since it was first launched in 1986. This rugged yet refined pickup provides the power and versatility many businesses and individuals demand. However, insuring a pickup truck can be expensive compared to a regular car or van. This is due to factors like their higher value, utility for work, and increased risk of damage.
As a Nissan Navara owner, finding an affordable Nissan Navara Insurance policy tailored to your needs is crucial. The cost of insuring your Navara can vary dramatically depending on your personal circumstances and the type of cover you select.
This article will explore the key factors influencing Navara insurance premiums and provide tips on getting quotes for the best rate. Keeping your beloved pickup insured doesn’t have to break the bank if you shop smart and leverage all available discounts.
Table of Contents
Factors That Influence Nissan Navara Insurance Costs
Several key factors determine how much you will pay to insure your Nissan Navara. Awareness of these can help you make choices that may lower your premiums.
Engine Size
- Nissan Navaras are equipped with 2.5L diesel engines.
- Larger engine sizes typically cost more to insure as they are more powerful.
- Insurers may rate smaller engines as lower risk.
Location
- Insurance rates vary widely based on location.
- Registering the vehicle in an urban area will likely mean paying higher premiums.
- More rural locations often get cheaper insurance rates.
Driver Age
- Younger drivers pay the highest premiums as they are considered inexperienced and at higher risk.
- Quotes will decrease steadily with age as drivers gain more experience.
- Older drivers with clean records get the lowest insurance rates.
Driving History
- Insurers closely evaluate your accident and violation history.
- A clean driving record with no accidents or convictions will earn you the best rates.
- Recent accidents, speeding tickets, or DUIs will significantly increase your premium.
No Claims Bonus
- Insurers reward each consecutive year without filing a claim.
- This is called your “no claims bonus” or NCB.
- A higher NCB level will help lower your premium.
- Filing a claim causes your NCB to reset to zero.
| NCB Years | Typical Discount |
|---|---|
| 0-2 years | 0% |
| 3 years | 30% |
| 4 years | 35% |
| 5+ years | 50%+ |
Vehicle Safety Features
- Cars with standard safety tech like airbags, ABS, and alarms can qualify for insurance discounts.
- Aftermarket safety devices like dashcams may also lower premiums.
Annual Mileage
- Declaring lower annual mileage when getting a quote may result in a slightly cheaper premium.
- Insurers consider vehicles driven less to be lower risk. Here is the content on getting cheaper quotes:
Getting Cheaper Quotes
Here are some proven tips to help you find cheaper Nissan Navara insurance rates:
- Compare quotes across multiple insurers. Rates can vary significantly between companies.
- Consider limiting mileage or removing optional coverage to lower premiums. But be sure to have adequate protection still.
- Install anti-theft devices and security features like tracking systems. Insurers may offer discounts for vehicles with added protection.
- Maintain a clean driving record. Drive safely and avoid accidents, speeding tickets, and other violations that may increase your rates.
- Pay annually instead of monthly to avoid being charged interest on monthly payments.
- Shop for new insurance regularly. Don’t just renew the same policy automatically. New insurers may offer better deals.
Other Ways to Save
- Increase your voluntary excess
- Add a named driver with a clean record
- Choose a car with a lower insurance group
- Insure multiple vehicles on the same policy
| Discount Type | Typical Savings |
|---|---|
| Multi-policy discount | 10-15% |
| Multi-car discount | 20-40% |
| Anti-theft discount | 5-15% |
| Low mileage discount | 5-20% |
- Check for discounts offered to members of professional organizations or alumni associations.
Regularly comparing quotes and leveraging available discounts can lead to significant savings on your Nissan Navara insurance. Don’t overpay for coverage. Here is the content on Navara insurance cover types:
Types of Navara Insurance Cover
There are a few main types of cover to choose from when insuring your Nissan Navara:
Comprehensive Insurance
- Covers damage to your vehicle plus liability for damage to others.
- Provides the highest level of protection.
- Typically required if financing or leasing the vehicle.
- The most expensive option but recommended for peace of mind.
Pros:
- Covers all vehicle damage
- Includes liability protection
- Allows you to choose repairs shops
Cons:
- Most expensive premiums
- Higher voluntary excess
Third-Party Fire & Theft
- Provides liability coverage plus fire and theft protection.
- Does not cover any damage to your own vehicle.
- Helps meet state minimum requirements affordably.
Pros:
- Lower cost premiums
- Liability and fire/theft covered
Cons:
- No cover for vehicle damage
- Limited protection overall
Third-Party Only
- Only provides liability protection for damage/injury to others.
- Offers minimal coverage to meet legal minimum.
- Does not cover any damage/theft to your own vehicle.
Pros:
- Lowest premium cost
Cons:
- Very limited protection
- Your vehicle has no cover
Common Add-Ons
Many insurers offer additional cover options and packages:
- Breakdown coverage – Assists if your vehicle breaks down. Can cover repair costs.
- Tool coverage – Protects tools used for business stored in the pickup.
- Accessory coverage – Provides protection for any aftermarket parts, equipment, or accessories installed on the truck.
Carefully examine the various cover levels to ensure adequate protection balanced with premiums you can afford.
Frequently Asked Questions
What is the average cost to insure a Nissan Navara?
The average cost can vary greatly depending on location, driving history, age, chosen coverage, and other factors. However, expect to pay somewhere between £600 to £1,500 annually. High-risk drivers may pay over £2,000.
What discounts are available for Nissan Navara insurance?
Common discounts include multi-policy, multi-car, low mileage, and add-on coverages like breakdown protection, antitheft devices, advanced safety features, and more. Building up your no-claims bonus is one of the biggest ways to save.
Does the Navara engine size affect insurance costs?
Yes, larger engine sizes like the Navara’s 2.5L diesel tend to have higher insurance rates. Smaller engines are generally considered lower risk by insurers.
Should I get comprehensive or third-party insurance for my Navara?
Comprehensive is highly recommended as it protects your vehicle in addition to liability cover. But third-party policies can save substantially on premiums.
What security devices help lower Nissan Navara insurance?
Adding anti-theft devices like vehicle tracking systems, window etching, locks, and alarms may qualify you for discounts. But check with your insurer first.
Can I insure my Nissan Navara for business use?
Yes, pickup trucks like the Navara are commonly insured for business. Ensure to clarify the intended usage when obtaining quotes to get the appropriate cover.
How can I find the cheapest Nissan Navara insurance?
Getting quotes from multiple insurers and using online comparison sites is the best way to find the lowest rate. Be sure also to leverage available discounts aggressively to maximize savings.
Conclusion
In summary, there are a few key steps you can take to find affordable insurance for your Nissan Navara:
- Compare quotes from multiple providers – rates can vary greatly.
- Focus on insurers that offer discounts for pickups and their common add-ons.
- Maintain a clean driving record to keep premiums as low as possible.
- Ask about bundling your Navara with other policies you hold for a multi-policy discount.
- You need to balance premium costs and risk by purchasing coverage limits.
- Shop for fresh quotes before every renewal since new deals enter the market constantly.
Finding the right Nissan Navara insurance does not have to be a painful process. Follow our tips to get the best value policy tailored to your needs while minimizing costs. Be sure to compare quotes regularly to catch any new savings opportunities. With a little research, you can cruise around with reliable Navara coverage that fits comfortably within your budget.
References
Association of British Insurers (ABI). (2019). As costs stabilized, £6.5 billion was paid out in motor insurance claims in 2018. Retrieved from https://www.abi.org.uk/news/news-articles/2019/12/6-5-billion-paid-out-in-motor-insurance-claims-in-2018-as-costs-begin-to-stabilise/
Euro NCAP. (n.d.). Nissan Navara. Retrieved from https://www.euroncap.com/en/results/nissan/navara/7897
MoneySuperMarket. (n.d.). Car insurance. Retrieved from https://www.moneysupermarket.com/car-insurance/
Nissan. (n.d.). Navara. Retrieved from https://www.nissan.co.uk/vehicles/new-vehicles/navara.html
UK Government. (2019). The number of driving disqualifications issued by courts by type of offense in England and Wales from 2006 to 2018. Retrieved from https://www.gov.uk/government/statistical-data-sets/ras51-disqualifications
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