When operating as a courier service for the transportation of goods, specialist Van insurance is essential. Having the right level of cover will ensure that your business won’t suffer financially in the event of damage, loss of theft of your cargo as well as covering you for accidents and breakdowns. Here’s our feature guide.
Courier Van insurance is specially designed for drivers that use their Van for hire and reward. In short, that refers to those that get paid to make multiple deliveries on a regular basis, whilst carrying cargo of a varied value and nature that they don’t own.
Courier insurance is either sold separately or as an addition to your existing Van Insurance policy. Seen as most couriers spend a significantly longer amount of time on the road than the average driver, they are exposed to more risk and therefore require specialist cover.
Usually made up of multiple policies, courier insurance is designed specifically for the unique risks that these drivers are often exposed to. Courier insurance policies will therefore be more comprehensive and include cover for damage to your van or other vehicles as well as your cargo, public liability, and in some instances, employer’s liability.
If your Van and its cargo are essential to you making a living, then it’s a good idea to be covered in the event of loss, damage, or theft. Having adequate cover could make a big difference if the worst were to happen.
Due to the fact that courier drivers are spending longer on the roads, making multiple stops during the day, and carrying valuable cargo, their risk factor is increased. Standard Van insurance won’t cover you for this type of driving so a specialist policy is needed.
Depending on the type of policy you need, you should compare cover for loss, damage or theft of your cargo and your Van as well as public and employer’s liability cover. Having a comprehensive, all round policy that covers every eventuality is a worthwhile investment to protect your livelihood.
With any insurance policy, the cover that you will receive will vary depending on your requirements and the provider of the cover. There is also likely be a number of exclusions and limitations. Understanding what is and what isn’t covered is important.
Most courier insurance policies are comprehensive, but you should always check in detail to what extent you are covered. In addition to the cover for the Van itself, here some other key components to pay attention to:
Although protecting your business, your cargo and your Van isn’t something we recommend cutting corners on, there’s nothing stopping you hunting around for the best deals. As with normal Van insurance, there is always a few things you can do to help lower the cost.
As a courier, you’re transporting important cargo on a daily basis, often with high value. Its only natural you want to protect your business from loss.
Vancompare.com is here to help you find the right level of cover for the best possible price. We compare over 40 insurers in minutes to bring you the absolute best available deals. We do all the hard work so you can concentrate on running your business.
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