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If you’re a self-employed or professional courier, having insurance in place can offer protection for any thefts or damages to your vehicle and the items you are transporting.
You will need Courier Insurance if your van or car used for transporting goods is vital to your business. If you making daily deliveries for goods, materials, equipments or cargo and are responsible for a number of drivers or vehicles, having adequate Courier Insurance in place can be very important to protect your income and business.
By not having insurance in place, you risk paying huge sums for replacing any stolen or damaged goods and of course, there is the loss of revenue for any broken or undelivered items.
At Call Wiser, we work with over 30 of the leading insurance companies in the country to be able to get you the best deal on your van courier insurance. By working with an independent broker, you are able to access market beating rates that you wouldn’t get anywhere else.
Goods in transit cover – this protects any goods or materials that you are transporting on behalf of other businesses or individuals. In the case that goods are damaged due to an accident or difficult driving conditions, GIT insurance can help cover the cost.
This type of cover does not protect your own personal items in your vehicle such as tools as it only covers those items that you are transporting for the client. Read more about Goods in Transit Insurance.
Breakdown cover – if you are transporting goods and your vehicle breaks down, your insurance will provide compensation for any repairs or loss of income for not delivering goods on time. This cover can be very helpful for drivers that make a lot of deliveries during the day – and the last thing you want to do is be stuck on the motorway with no one to help you.
Good news! All new policies purchased through Call Wiser come with free breakdown cover so you have the bonus that this is included in your policy.
Replacement cover – in the event that any of the items you are delivering to a client are stolen, replacement cover can indeed replace them or reimburse the value of the lost goods.
Claims and legal assistance – can provide up to £100,00 worth of compensation in the legal fees associated with covering the cost of accidents or prosecution for an offence which may not have been your fault.
Public liability – this offers to cover any compensation claims made against you by the general public including other drivers, pedestrians and property.
To give an example, if your courier is carrying lots of goods and something falls off the van and injuries another driver or pedestrian, that victim has the right to claim compensation. The fees involved from a legal standpoint or to repair any damages can run in the thousands of pounds – so by having public liability insurance in place, you are able to cover the cost of any claims made against you.
Employer’s liability – this protects any employees that are injured or harmed as a result of business practices. For instance, if you own a courier company and one or your drivers is injured whilst moving or transporting goods, the injured party is able to claim compensation for any medical bills or loss of income. So having employer’s liability cover means that you will pay an annual fee for insurance that will cover any claims made by injured employees.
Our team of dedicated staff is based in our head office in Andover, Hampshire and they are ready to take your call. We will ask a few simple questions about your vehicle and the type of things you transport and will be able to give you a courier van insurance quote on the same day. All quotes are completely free and no obligation and there is no charge for calling from a landline or mobile.
We also accommodate Courier Insurance for Cars so we are able to tailor a policy specifically to suit your needs.
A Courier Insurance policy costs around £1,500 a year but this may vary depending on the policyholder’s requirements.
To get you the best price possible, our customer agents will ask you how many drivers you would like to put on the policy, the state and condition of the vehicles, what types of goods you are transporting and how much annual mileage you do.
Courier Insurance is generally much higher than regular comprehensive van insurance. This is because you are insuring the entire vehicle and the goods included. Thieves are always on the look out for valuable items and this puts long haul drivers at risk of theft. There is also the fact that couriers are accustomed to making numerous stops and driving long hours and this may increase the chance of being involved in an accident.
If you own a number of courier vans that are used for business purposes, it is a legal requirement to have insurance in place for all of them. The Government has recently introduced Continuous Insurance Enforcement stating that all vehicles on the road must have insurance or vehicle owners may be liable to a £1,000 fine and their vehicle being seized and destroyed.
If your vehicle is constantly off the road, the owner must register their vehicle with the DVLA and complete a Statutory Off Road Notification (SORN).