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Insurance Cover for Courier Services
In the past insurance companies had a tendency to shy away from offering insurance cover for courier vehicles as they thought the risks were too great. However, many insurance companies have begun to specialise in providing appropriate cover for the ever growing courier services market.
Choosing an insurance company who has a dedicated team of consultants who are familiar with the differing needs of courier insurance is a wise option. They will discuss your individual needs to ensure that the most appropriate, legal and relevant cover of courier insurance is offered.
In order for them to provide insurance quotes they will need to be honestly informed of both the type of vehicle or vehicles which are used for the courier service and the nature of the goods they will be collecting and delivering.
Honesty is not only the best policy when informing the insurers of the type of goods you will be carrying, as dangerous or high value goods will undoubtedly be subject to higher premiums, failing to provide accurate information may lead to any claims you may make invalid. A costly error on your part.
Being honest may cost you higher premiums however you will have peace of mind that should you need to make a claim you will be covered.
The type of vehicle used is equally as important. There is a difference between courier van insurance and other forms of courier insurance.
Under a duty of care you are required to provide full and accurate details of the goods. You are also responsible for keeping the courier insurance companies updated with any changes to the vehicles, drivers and goods.
For those who carry 'undisclosed' goods insurance cover is available, however this will cost more as the risk to the insurance company is greater. Failing to disclose dangerous goods will make an insurance policy invalid.
Courier services which travel abroad will need to inform the insurers. Many insurance companies will provide cover which meets the minimum legal requirements in countries within the European Union. Some Comprehensive courier insurance may also include provision for travelling in Europe at no extra cost for a maximum of thirty days.
Variations on the level of cover and number of days vary between insurance companies, as do any restrictions they may apply. Therefore if your courier service regularly travels across to Europe the insurance company will need to be informed in order for them to offer appropriate cover at the most competitive rates.
If your courier service is nationwide or international the amount of unlimited mileage also differs between insurance companies. High mileage may mean that the premiums are more. Therefore it is worth checking a number of different courier insurance companies to see which are offering the most competitive deals for high mileage users.
It is worth remembering that courier insurance companies want your custom. They offer a range of different levels and options to meet individual needs. Their specialist consultant will advise and recommend the most suitable insurance as well as matching any like for like insurance cover you may have been offered by one or more of their competitors.
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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