Courier? You May Need Special Insurance

If you’re working as a man (or woman, obviously) with van as a courier, we hope you’ve got the right insurance.

Some, pushed into a new courier career, thanks to Covid, may not be aware that it’s more than standard van insurance that is required.

Couriers can’t just make do with van insurance and hope for the best.

If your van gets broken into or stolen, you need to be pretty certain that the cost of whatever you have inside is covered,

or you could find yourself in a sticky situation.

Not only that, as couriers are also in contact with member of the public for work,

anyone working as a delivery driver needs to have public liability insurance to make sure that they are fully protected.

Most van insurance companies offer specialist courier insurance policies, regardless of what type of vehicle you are using.

These are often more expensive than regular car or van insurance.

The high cost of the goods you transport is one factor.

Plus, spending more time on the road than other drivers increases your accident risk and expenses.

Similar to regular car or van insurance, you can choose third-party cover, third-party fire and theft, or comprehensive.

Comprehensive is always the best option for full coverage.

Additionally, goods in transit insurance protects the value of any items lost or damaged during transit.

This also covers your van and contents in case of theft, whether parked at home or out on deliveries.

A longer driving history, strong van security, and fewer motoring convictions all help.

These factors keep your courier insurance costs down.

Use our free quote tool to ensure you are getting the best deal on your van insurance.

We may be over the snow, but accidents and thefts can happen any time, so it’s always best to stay safe. 

Check your cover if transporting electronics this season

Van insurance news roundup: 7 days ending 7 oct 2012:

With the festive season rapidly approaching – and the advent of the new iPhone 5 – anyone transporting electronics needs to check their cover, and soon!

Have you thought about the size of your courier van and exactly how many electronics you can actually fit back there? Well, if you do the maths, you could end up having room for around £50 million worth of high-value electronics such as the already massively popular iPhone 5 alone; if you’re done running about in a panic, you  may want to consider checking the level of cover on your commercial van insurance now.

It only took around 24 hours for 2 million individuals to pr-order the new Apple iPhone 5 once it became available to do so. This will inevitably lead to huge demand for the product this Christmas shopping season, which means massive amounts of the electronic device are going to be shipped all across the country to retailers, and that anyone with a courier van could make a killing by shipping all these smartphones – however they could also risk financial ruin if something were happen to their high-value cargo whilst in transit and their van insurance doesn’t cover them against theft or destruction of goods.

There’s around 200 cubic feet on the inside of the average van, which means you could stick nearly 100,000 iPhones in the back, provided you take them out of the packaging. The retail value of these items would be upwards of £50 million, and while there’s no way one single courier would be transporting those many iPhones at once, the point still stands: as electronic devices shrink in size but grow in price, couriers will naturally have higher value cargo whenever they’re transporting the devices, so the need for proper insurance cover has never been more important.

If you think iPhones won’t be stolen, just remember the news out of Japan on the new Apple product’s launch day:

Meanwhile, news reports on the launch day revealed that around 200 iPhone 5 unites were nicked from a shop in Osaka, Japan. The retail value of these stolen phones – just 200 of them – was around £160,000, which is more than enough to cripple your courier business if you can’t cover such a massive outlay of cash without the aid of an ironclad insurance policy.

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