Do you own a courier service company or a van? If yes, you’ll no doubt know that you need to cover your day to day running of the company in the form of a courier insurance policy, whether your dealing with bike(s), a van, or possibly a fleet of vehicles. If you’re transporting a rare antique to Bonhams, taking a van laden with diamonds to Royalty or shifting some copper railways or cabling to the scrap yard, the insurance premiums will differ immensely.
For those that use their van to deliver items on behalf of others, there are a number of policies available to suit. This will ensure that the goods being transported are covered within the policy and will also ensure that your clients needs are in safe hands. If you’re transiting and delivering a standard parcel or special packages that are fragile, it’s important you are protected against accidental damage and other scenarios.
There are a number of providers and insurance offerings out there on the market, but it’s not just about comparing the cheapest courier insurance quote, you also need to make sure the policy is fit for purpose. Make sure you read the small print. Check what the excess amount is and also the maximum payout. If you are handling one off jobs with valuable goods, make sure you are covered for the value of the items. Are you covered for night driving, shipping yards, and building sites, or trips across the channel into Europe, for your annual Christmas booze and cheese trip for the local Xmas Charity Hamper organisation. You may want to cover haulage as well if you occasionally ship large loads.
If you’re unsure if a particular insurance policy covers your situation, there are often online advisors available to help you.