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Cheap Courier Insurance? What To Look For
The courier business is relatively easy to get into compared to many other traditional businesses, and this is often the draw for many new people thinking of starting a new business. In part because the start up costs and overheads are relatively low for small businesses, compared to other types of industry. All that is really required is a vehicle, a cell phone and some initiative. The vehicle, should obviously be a van or transit large to handle packages or parcels, which should be reliable and legally road worthy. Alternatively courier dispatch riders are in great demand due to the ability to deliver packets and documents fast.
One thing that is easily overlooked when people consider starting their courier business is the insurance of the vehicle and customer's goods. Insurance is both required by law and necessary so ensure your customers goods are insured should they be lost or damaged whilst in your possession. Many customers will not engage the services of courier who cannot prove the have sufficient insurance cover.
Vehicle Insurance is a legal requirement to every vehicle driven on the public highways. The minimum cover is Third Party Only. Make sure to inform your insurance company that you will use your van for businesses as this will affect the premium and your rights to make claims towards your policy.
Goods In Transit is not a legal or mandatory requirement however it provides cover for goods being transported for damage or theft. Customers will want to know that their goods are protected against all eventualities. Even though you could potentially afford to reimburse customers, they will be feel more safe with you if they know there is a third party guaranteeing their goods.
Public Liability Insurance is another voluntary insurance cover that you should give serious consideration to. This policy will cover you in case of damage done to public property or personal injury your vehicle may cause to a member of the public. It will also help portray a responsible image to your customers. Public liability insurance will also provide cover for those who offer a door to door courier service. Check with insurance companies to find out when the standard courier insurance cover starts and ends. Quite often insurance will only provide cover for goods which are actually inside your vehicle, not whilst they are being collected or delivered outside of your vehicle, speak with the insurance companies to find out if any restrictions are applied.
Before signing any courier insurance you should also be sure you have read and understand the terms, conditions and fine print. You should especially make sure to understand what exclusions or restrictions apply. If you have any questions about the policy, your insurance company representative should be happy to explain to you what a particular clause means. Most insurance companies also have a 24 hour free phone hotline that you can call.
When it comes to finding the best cheap courier insurance on the market, you should obtain quotes from a number of different insurance companies who specialise in courier insurance. Make comparisons and choose the company which offers the best combination of price and cover to meet your courier business needs.
Author Resource:-
Paul Headley is a specialist insurance article writer. Staveley Head are a leading UK insurance broker for
courier insurance
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