You know a thing or two about efficiency and customer service as a courier. With that in mind, we believe courier insurance comparison will be beneficial to you. We'll have your customised courier insurance quote to you in no time. We will help you compare courier insurance quotes from a number of reputable courier insurance companies in UK.
You will require courier insurance for a car, moped, motorbike, van or truck to deliver products in transit to your valued clients. These policies account for the extra miles you drive as a result of your profession, the fact that you're more likely to drive through densely populated regions, and the value of the products you're transporting.
At the best of times, deciding between regular car and van insurance can be difficult. When moving goods for others, it's even more crucial to be sure you have the correct form of insurance, because a standard cover won't suffice.
Courier insurance UK is usually made up of multiple different forms of insurance, allowing you to customise your cover to meet your specific requirements. At the most fundamental level, you must decide if you wish to:
Third-party only cover - in the event of an accident, this covers the expense of causing damage to other people and their property. It does not protect you or your vehicle for any damage.
Third-party, fire, and theft cover - this includes third-party only cover as well as compensation if your van is stolen or burned down.
Comprehensive cover - this is the most comprehensive level of protection available for your van. It covers third-party, fire, and theft, as well as the cost of repairing your vehicle in the case of an accident (even if you are at fault).
You'll be able to add on various types of insurance in addition to the level of cover you choose, such as:
While protecting your vehicle and the things you're transporting is critical, there are other aspects to consider to guarantee you secure your vehicle and your livelihood as much as possible. Consider the following examples:
If you add carriage of goods for hire and reward to your policy, the products you're delivering should be covered. If you don't choose this, such products are unlikely to be insured, and you risk having to pay for any damage or theft yourself. If you're transporting tools and materials that belong to you and that you use for work, you'll need carriage of own goods insurance. You may not need this if you only work as a courier. If you have a second job, you may. If you work as a builder and keep tools or equipment in your van, it's worth talking to your insurer about cover for these items too.
The cost of insurance is determined by your location, the type of car you want to insure, the policy you choose, and whether or not you add on any extra features. Premiums will also be calculated based on your driving history and whether you've lately been involved in any road accidents or had any claims made against you. As a result, the cost of courier insurance can vary greatly.
When it comes to purchasing an insurance, it's critical to be sure you have the cover you require. Cheap courier insurance may appear to be a good value, but read the terms and conditions carefully and look at what's covered. There could be a lot of exclusions. On the other hand, policies that appear to be pricey at first glance may have fewer limitations and exclusions, allowing you to get more for your money.
What kind of insurance do I require as a courier?
If you use your van for courier business, you should think about buying public liability insurance. If you cause damage or harm someone while driving your van, you could face compensation claims. These expenses can be covered by public liability insurance.
Is it possible to receive courier insurance for under 21?
If you require insurance for a driver under the age of 21, contact with an Insurance Revolution expert who will help you get the best rate. Young drivers under the age of 25 can be named on our policies with accompanying drivers over the age of 25, giving them the same flexibility as other employees.
What is the cost of courier van insurance in the United Kingdom?
You'll need 'carrying of goods for hire and reward' cover, a comprehensive courier policy will set you back £1,080 on average. Haulage insurance is more expensive, costing on average £1,244 per year.
What is the distinction between courier and goods-in-transit insurance?
While fully comprehensive courier insurance covers both you and your van, it does not cover the packages you're delivering. Insurance for goods in transit covers the products you transfer from one site to another, whether they're your own or for hiring and reward.