Courier Van Insurance
Van Insurance for Couriers
You will need van courier insurance if you receive payment in exchange for carrying other people’s goods or materials whilst using a van. The range of activities covered by being a courier is vast, from light haulage work through to leaflet distributors, and lots in between. Normal business insurance will not be sufficient cover for you if you pick up and/or deliver goods which belong to someone else, regardless of whether it is to one destination or multiple destinations. Getting specific van courier insurance is the best way to ensure you are fully covered for your business activities should the worst happen.
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You will need a specific ‘hire and reward’ insurance, which is what you will receive when taking out courier insurance. If you work in an occupation such as delivering parcels, mail order delivery or light haulage, this is the cover for you.
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How does courier van insurance work?
Van courier insurance works to protect you against the potential risks that you might face when either picking up or delivering goods, in exchange for payment whilst using your vehicle. As with many types of business insurance, ‘van courier insurance’ is an umbrella term that refers to the policies required to cover your van whilst it is being used to deliver goods.
Courier van insurance: Explained
This insurance provides coverage for the use of your van in courier services, encompassing tasks like picking up and delivering packages, parcels, letters and newspapers. Courier van insurance generally incurs higher costs compared to a standard commercial van policy due to the extended periods spent on the road in comparison to other road users. Failing to obtain sufficient courier van insurance while working as a courier may result in the insurer refusing to pay out in the event of a claim. Courier van insurance is available in three levels: third party only, third party fire and theft and comprehensive cover.
What does Goods in Transit Insurance cover?
This insurance safeguards the items you are transporting in case of loss, damage or theft. Standard coverage for goods in transit extends to £50,000 per load for a single claim, with alternative limits also accessible. Although goods in transit insurance is not obligatory for couriers, numerous businesses prefer working with couriers who have this coverage. Consequently, many couriers choose to obtain goods in transit insurance to align with industry expectations and enhance their business prospects.
What does public liability insurance cover?
This coverage protects you in the event of accidents involving members of the public. It allows you to reclaim expenses related to legal defense and, under specific conditions, covers compensation costs if a claim is successfully filed against you. Public liability insurance is commonly bundled with courier insurance packages or can be obtained separately along with employers' liability insurance.
How much is courier van insurance in the UK?
Several factors influence the expenses associated with courier van insurance in the UK. These factors encompass the driver's age and courier experience, the history of claims and convictions, the vehicle's age and type, the chosen level of excess, and the type of insurance coverage selected. Utilizing Price Point Compare allows you to access quotes from a wide range of providers, facilitating the identification of the most fitting policy tailored to your specific requirements.