Most people who own a commercial vehicle will be carrying some form of goods at all times. However, courier insurance is different as these goods usually do not belong to them, which means if something happens to the items in their possession, they have to cover the cost. Depending on your vehicle and the nature of your business, you could be carrying pizzas, clothes, or expensive electronics. No matter what it is, it needs protection, not only for the safety of your company but also for your driver.
Courier insurance can protect your business in a number of ways: firstly, it covers your vehicles so that if they are involved in an accident they can be fixed quickly and be back on the road as soon as possible. Secondly, courier insurance providers understand that both your vehicles and your drivers are more likely to be targeted by thieves than most other vehicle owners. With this in mind, your policy can help cover the costs of your goods, while also protecting your drivers should the worst happen.
Delivering goods to Europe can be lucrative for a courier, and that is why there are a number of policies out there that will cover you for a certain amount of time in EU countries. Some policies can cover you for up to 90 days in any one period of your courier insurance. If you may need to transport goods to Europe, then make sure you have this included in your courier insurance quote before you purchase it.
If your vehicle is locked in a garage or kept in a secure compound, which has secure walls, and/or fences and locked gates overnight, then the goods in your vehicle will remain covered by your courier insurance policy. If you leave your vehicle on the street however, then you may risk your insurance company refusing to pay out in the event of a claim.
When applying for a courier insurance quote, it is possible to insure more than one vehicle on the same policy. This could save you time and money. However, you will then be able to add vehicles to your policy at a later date, just in case you need to.
Yes, it is certainly possible to allow young or inexperienced drivers to transport goods for you under your courier insurance policy. However, it is likely that young and inexperienced drivers will result in higher insurance premiums.
Yes, you will be classed as a courier because of the number of drops you do each day. You must now take out a courier insurance policy. In the UK it is a legal requirement to have a basic insurance policy if you use a vehicle to travel on the public roads with, if you are a courier, you will need an additional courier insurance policy.
Unfortunately not, courier insurance quotes do not take into account accidents such as the one mentioned here. If this has happened to you, and you wanted to find out more, then do not hesitate to contact your courier insurance provider in order to find out.
The majority of courier insurance policies do provide glass and windscreen cover. If in any doubt about this however, then read through your policy documents carefully, or alternatively, contact your courier insurer in order to make sure. If your courier insurance provider does not already cover glass and windscreens then it may be possible to add this on as an extra.
Most courier insurers will offer schemes which allow you to use your private car no claims bonus, and there are also other schemes that give an introductory discount based on the no claims bonus you have earned privately, which enables you to continue using your private bonus on your private vehicle should you wish to do so.
Most courier insurance providers will offer a policy which includes cover for carrying hazardous goods. If you already have an existing policy that does not cover hazardous goods, then you may be able to add it on as an extra at any given stage.
Most courier insurance policies will allow you to add drivers throughout the term of the policy, but restrictions may apply to both the number and criteria of drivers to be added, for example there may be age restrictions with a courier policy.
Generally, if you carry out multi-drop deliveries then you will need courier insurance, and if you do only one or two drops per day then haulage use is most likely to be appropriate. If you are unsure then it would be a good idea to read through the details of the policies you are looking at.