If you are driving around UK roads every day of the year, your chances of having an accident or being subject to damage or theft are far higher due to the increased use. It is a well known fact that courier drivers are working in high risk environments, so it is essential that you invest in adequate courier insurance.
No one enjoys spending their hard earned cash on insurance premiums but although it is a legal obligation for any driver, as a courier, it is even more important to protect you and your business. Van and motorcycle couriers need to have a specialist policy in place, a conventional policy will only protect you in the event of an accident etc. it will not provide any cover for your business. It doesn’t matter whether your business has been established for years, or you only began operating last week, it is imperative that you invest in courier insurance.
There are a number of things you need to consider when looking to purchase courier insurance, most importantly the level of cover you require. Similarly to conventional van or motorcycle insurance, you can simply opt for third party. However, if you are looking to run a successful courier business, chances are you will need a more comprehensive level of cover.
• Would you need an emergency replacement van or motorcycle in the event that your vehicle is damaged or stolen?
• Would the goods you are transporting be insured should something unexpected occur?
• Would you have the cash to replace all the tools in your van should it be stolen?
• Would you be letting clients down if you broke down and has no assistance to get back up and running as soon as possible?
These are just a few questions that you need to ask yourself before choosing a cheaper policy over a practical one. By ensuring that you incorporate additional features such as breakdown assistance, goods in transit insurance, public liability insurance, you will be protecting yourself and your business from any unnecessary expenses.
By opting for a basic level of cover, you could end up having to pay compensation, repairs, and costs of replacing vehicles and stock out of your own pockets. If you operate a courier business, you need to have adequate courier insurance in place to provide protection for yourself, your business and your staff. You cannot hope to operate successfully or legally for that matter, without the right cover in place.