As a courier driver you will spend a large portion of your day travelling up and down the country, making sure people get their goods and parcels on time. It’s an occupation that holds a lot of responsibility as most of the time you will have to deliver the goods on-time on a set day.
Due to the fact you will be on the road for long periods of time, courier insurance quotes can initially be quite expensive. It makes sense that insurance companies will charge more for annual courier insurance as they see this as a higher risk.
When driving is your livelihood, it is imperative that you find a suitable courier insurance quote that fits you and your business. Making a mistake could lead to devastating consequences that could seriously dent your bank balance. In the worst case scenario, being involved in a road traffic accident and finding out your insurance is invalid for driving a van for courier use could cost you hundreds of pounds.
Taking out an insurance policy that does not cover courier use will not suffice. You need to make sure that when you are searching for quotes; your vehicle has the correct type of use. Your documentation should clearly state that it includes haulage use or hire and reward. This basically means the vehicle is insured legally to carry other people’s goods for deliver purposes.
You may also need to consider additional products that run alongside vehicle courier insurance. Goods in transit and public liability are the most common types of insurance that most couriers will also purchase. It is not a legal requirement to have these polices, but you may find many companies will not allow you to deliver for them if you don’t have them in place. If there were any damages incurred to peoples belongings whilst in your care it would be down to you to reimburse the owners, again, a cost that you could do without!
For more information please visit – www.autonetinsurance.co.uk/courier-insurance
