A guide to courier van insurance
What is courier van insurance?
Van drivers of all kinds will need adequate insurance if they’re going to drive on public roads, and couriers are no exception. Courier van insurance has been specifically designed for this type of profession by giving couriers the cover they need for complete protection , ensuring they’re driving legally whilst providing an added financial safeguard should anything go wrong in the course of their job.
What features should be included in my policy?
There’s more to this type of cover than a regular van insurance policy. It’s there to protect your business interests as well as your legal obligations and has been designed to accommodate the unique requirements of couriers, taking into account things like the value of the goods you’re carrying as well as anything else, because you only need to consider the costs involved should an important package be damaged or go astray to see how important adequate protection can be.
As well as basic levels of protection most courier policies will include goods in transit cover as standard, and when you’re operating in a commercial capacity you’ll need to consider things like public liability insurance and even employers liability cover should you employ members of staff. Other things worth thinking about include breakdown assistance (always advisable, particularly when you’re on the road so much), windscreen cover, replacement vehicle cover (thereby ensuring you don’t have to lose out on business should your vehicle be off the road), medical expenses cover and legal protection, with everything combining to offer all-round protection.
It’s worth bearing in mind that a lot of clients won’t consider working with your company unless you’ve got an adequate level of protection in place—they need peace of mind that their items are in good hands, and that means you should always go for the most comprehensive level of cover you can afford. You’ll also need to remember that different insurance companies will be able to offer different levels of protection, with certain things coming as standard with some firms whilst being viewed as added extras by others, so always make sure to thoroughly check your level of cover before signing on the dotted line.
Find the courier van insurance that you need
It’s important to take time to decide which type of courier van insurance policy would be right for you. With so many different options out there it can be difficult to know where to start, but remember that it’s always better to have too much protection than too little. Once you’ve got an idea of the level of cover you’re looking for it all comes down to research—spend the time to scour the market to see what’s out there, heading to plenty of different insurance firms or specialist brokers to get a good overview, and of course make sure to compare every quote you come across. Performing comparisons is the only way to be confident that you’re getting the best deal at the best possible price, and as long as you make sure you’re getting a policy that meets your every business requirement you can’t go wrong.