Courier van insurance is a necessity if you spend your working day driving your van to deliver goods to people. Unfortunately, because of the very nature of your work as a courier, you are viewed as being an increased risk as far as the insurance companies are concerned.
The reasons for this are due to the belief that you are more likely to have an accident as you will possibly spend more time at the wheel of your vehicle, make numerous stops, be rushing around working to a strict time deadline and you will be carrying goods so are liable to having your van broken into by a thief. These increased risks are reflected in the van insurance premium that you will pay.
Therefore, it is important that you spend some time looking for the most suitable van insurance for couriers to meet your requirements at a price that is affordable. As with most types of insurance, you will find that there are various levels of cover.
What Choice Of Cover Is Available?
You will need to choose from fully comprehensive, third party fire and theft or third party insurance. Do bear in mind that third party insurance will provide no cover for your own van whereas fully comprehensive cover will do so even if the accident is your fault. Obviously, the later is more expensive.
Remember that you will be carrying goods that may be quite valuable so you may prefer a courier van insurance policy that includes goods in transit cover. Another thing worth considering is employer’s liability insurance if you employ another driver.
Your courier business’s income is derived from delivering goods to customers for which you need a van. Therefore, if your van were involved in an accident that resulted in your vehicle being off the road for a period of time, you would need a replacement van until yours is repaired. In which case you may feel that you require cover that includes a temporary replacement van.
If you broke down due to a mechanical failure you would wish to get back on the road as quickly as possible. An option could be to include breakdown cover within your courier van insurance policy.