About Our Courier Insurance
What Is Courier Insurance
Courier work has become very popular in recent years due to the increase in mail-order services. Courier drivers are required, by law, to attain courier insurance if they use a van to deliver goods to the general public at multiple drop-off points.
Types Of Courier Insurance
Comprehensive – Comprehensive insurance covers both you and your vehicle. Your vehicle is covered for loss and damage in the event of an accident, and it is also covered for third party theft, fire and windscreen damage.
Third-party, fire and theft: This type of insurance will cover a third party who suffers damage or loss where you’re found to be legally responsible for an accident. Additionally, your van will be covered for fire or theft.
Should I Consider Optional Extras?
Courier businesses are all unique, so we understand that your insurance cover needs to be tailored to you, which is why there are a number of optional extras to add to your cover.
Our optional extra covers include:
Goods during transit – This can be a useful extra on your cover if you deliver expensive items to clients. The cover is up to £50,000 and £1,000 cover for handheld scanners.
Breakdown insurance – An obvious added extra for anyone that uses a vehicle for their work, this first-class service covers your vehicle nationwide and includes roadside assistance and recovery, meaning you’re in safe hands whatever happens.
Liability insurance – This insurance extra covers you with the general public should you accidentally cause any personal or property damage during your work.
Excess protection – Most insurance packages will include a mandatory excess that you must pay in the event of an accident. This extra will cover this excess in case you ever need to claim.
Types Of Courier Vans We Insure
There are a ton of different types of courier vehicles out on the road, so it’s important to know that we offer cover for all of them. Here are some popular examples:
Car/Van Hybrid: This is a multi-purpose vehicle mostly used for small deliveries. Usually, this car has been converted from a passenger car to give it more space instead of seats.
4×4 Van: This type of van is very common for couriers as they benefit from lots of space while still being easy to navigate in rural locations.
Box Van: These vans are best suited for larger deliveries for things like furniture and white goods due to their massive amounts of space.
Panel van: Panel vans are the nation’s favourite. They come in a variety of roof styles depending on how much space you require, and they are very easy to drive, no matter the location.
Temperature controlled: These types of vans are usually refrigerated to transport perishable goods like meat and other chilled food.