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Top Tips for Courier Van Insurance
Owning and operating a courier service using vans will you require you to have van courier insurance. There are many insurance companies who offer van insurance at low cost; however these may not necessarily meet the requirements of your business. Having the incorrect courier van insurance while driving on public highways is a criminal offence.
Goods In Transit (GIT):
If your vans are used for carrying goods for others and you receive payment or reward will need to have goods in transit insurance policies. There are generally three types of goods in transit cover available. The sum insured may be for;
1. A single package
2. Each vehicle
3. Each consignment.
Within the Goods in Transit cover there are also different options available, some insurance companies offer '100% All risks' cover which provides;
1. Theft while the goods are in transit
2. Loss of goods while they are in transit
3. Damage caused to goods while they are in transit
4. Damage caused by accidents while they are in transit.
Not all insurance companies offer 'all risks' policies. Speak to an insurance consultant or broker who specialises in courier van insurance to see what goods in transit options are available to meet your needs and budget.
To make sure you have the most appropriate goods in transit cover the insurance companies will need to know;
1. The nature of the goods you are couriering- It is possible that you may be unaware of the nature of the parcel or package until it is collected. It is your responsibility to inform the insurance company that you do not know the content in order for them to make a decision whether to offer you insurance cover. Some insurance companies do offer insurance quotes for 'unknown' goods. Likewise if you are unaware of the nature of the goods until you collect the parcel or package and they contain things like iPods, computer parts or valuable electronic equipment you may only be covered for 50% of the value should you make a claim. These items are often referred to as 'target goods' by insurance companies. If you are in any doubt as to the nature of the goods, speak to the insurance consultants for advice.
2. The geographical area you are operating in- some areas of the UK are regarded as high risk areas by some insurance companies. Courier van insurance is generally higher if you operate in large cities rather than solely rural areas.
3. The value of the goods you are couriering- in order to provide sufficient insurance cover, particularly important if you are carrying highly valuable goods.
4. Collection and destination places- Collections and deliveries to high risk areas such as power plants, gas works and firework factories are seen as high risk areas; as such insurance premiums are usually higher.
Many customers will not use or deal with courier van businesses which do not have appropriate and sufficient goods in transit courier van insurance cover. Therefore it is important to get the optimum insurance premiums which fully cover your business needs in order for you to be a truly competitive van courier.
Author Resource:-
Paul Headley is a specialist insurance article writer. Staveley Head are a leading UK insurance broker for
courier insurance and goods in transit insurance
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