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Insure Me UK's Guide To Courier Van Insurance
Courier Van insurance is to cover people that use a vehicle in connection with delivering products or goods. Compare courier van insurance to find the cheapest deals from the best UK insurers.
Courier businesses are generally associated with higher risk than standard driving, therefore, the cost can be higher. The level of risk includes higher mileage due to driving between a pick up point and to a customer’s door. Because of this level of risk with a higher mileage, insurers tend to price this insurance product higher than your standard car insurance. Therefore, you need to be sure to compare quotes to get the best and cheapest deal.
Courier Insurance Packages and Levels
This type of insurance isn’t your run-of-the-mill car insurance. It tends to be more complex due to the further risks associated with higher mileage, and so on. However, with courier van insurance you can still choose between Comprehensive, Third-party and Third-party, fire and theft cover.
You need to make sure you discuss potential courier insurance packages with your insurer to make sure you are getting the right level of cover for your business. There are also other considerations to make in regards to package options – see below.
- Goods Transit Service: covering costs of the value of goods being transported from start off to drop off points.
- Public Liability: compensation or legal costs if the company (or employee) injures or causes death whilst driving for a courier company.
- Employers’ Liability: compensation or legal costs if an employee is injured on the job within the courier business.
- Business Insurance: covering damage costs associated with other people’s property, vehicles, etc. This insurance will differ between businesses so it’s best to check this with the insurer if you are unsure. Never have any doubt and never leave it to chance.
What affects the cost of Courier Van Insurance
When Comparing Courier Insurance its important to understand what may affect the price. Its also important to make sure that the information you provide is as accurate as possible. Here are some examples of what will affect the cost of your courier insurance.
- The Size Of Vehicle: When delivering parcels or goods to a customer you will more than likely need to use a larger vehicle to transport these goods. Larger vehicles generally fall into higher insurance groups meaning premiums are also higher.
- Your Age: The younger you are the less experience you have and insurance companies will see this as a higher risk.
- The Type Of Products You Deliver: Depending on the type of products you are delivering will have an impact. Someone who delivers general parcels that are of small value will see cheaper premiums. If you delivery expensive products or hazardous goods, this can increase the price of your insurance.
- How Long You Drive For And The Time Of Day: Some insurance providers will take into account how many hours you work. This can affect your concentration levels which also means higher chances of having an accident. The time of day also determines the price due to some couriers driving during peek times and other drivers driving during off peek.
Why do i need Courier Van Insurance
Courier Insurance is a legal requirement in the UK to deliver parcels and products also known as goods in transit. Without Courier Insurance you can face points on your license and a possible ban from driving. It is very important to compare courier insurance to get the correct prices and policy.
Its also important to understand that you need to protect your personal work and to also be able to compensate other people encase of an accident or injury caused directly by you.
Why should I compare Courier Van Insurance through Insure Me UK
At Insure Me UK we work with the UK Insurance Brokers who all want to provide you with Courier Insurance. We will do the hard work for you which involves finding the right insurance provider with the most competitive premiums. Its critical that you are covered correctly. Our Service is free to use so why not get a quote today