Courier drivers and companies face many challenges as they deliver goods to customers in vans, cars and on motorbikes in the UK and beyond. While meeting tight deadlines and dealing with the various risks presented by the road, it is essential that you can focus on your job with the knowledge that you are protected from potential risks.
Courier insurance provides drivers and courier companies with all the protection they need, allowing them to focus on providing a high-quality service without worrying about the financial consequences should something go wrong.
Why you may need courier insurance
As a courier driver, you constantly carry goods that belong to other people.
If something goes wrong and the items are damaged or lost, you could be held responsible, and the amount that you may owe as a result could be considerable.
Not only do you need to protect yourself from this situation, but you also need to get protection for your vehicle. It could break down when you most need it, or you may be involved in an accident. Insurance can provide you with the financial protection you need.
Overall, insurance allows you to carry out your work or run your business with peace of mind so you can focus on the task of delivering goods to the best of your abilities.
What does it cover?
Courier insurance differs depending on the company providing the insurance and the details of the policy. However, some of the typical things that may be covered include the following:
- cover for vehicles including cars, vans and motorbikes so that you do not suffer financial difficulties should you be involved in an accident;
- breakdown cover so that you can get back on the road as soon as possible;
- goods in transit insurance, which provides cover for the goods you carry every day;
- public liability, providing financial assistance should a claim be made against you by a member of the public;
- employers’ liability insurance, which is, in just about 99% of cases, a legal requirement for any employer who has employees working for them.
Things to look out for
There are various factors that you may want to consider when you take out this type of insurance policy, including:
- the level of cover that you require. This is the most important factor because you will want to ensure that you and your employees are all fully protected;
- with the vehicle cover, you may be able to choose from fully comprehensive, third party, fire and theft, or just third party;
- the cost of the premium may be affected by various factors, including the type of vehicle you drive, the size of the company, the goods you deliver and whether they are from mainly one client or multiple clients;
- you may require extra insurance if you carry out deliveries overseas, and you may be asked about the distance of your journeys from your base;
- reductions may be available if you have no claims in the previous five years, as well as if you park your vehicle somewhere secure when it is not in use.
Consider taking out courier insurance
Courier insurance is used by courier companies and drivers up and down the country. It provides essential cover for a wide range of situations that can affect drivers on the road no matter how careful they are.
If you want to ensure that you have protection in place to cover the potential problems that could arise, this insurance is something you may want to consider.