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If you use your van to deliver goods, you will need more than just a basic van insurance policy. Courier van insurance covers you to legally drive your van on UK roads, but you can also add business related elements like goods in transit cover, public liability and employer’s liability to the policy. We’ve looked at how it works and how you can save money on your cover.
Courier van insurance is specialist cover that’s required if you make regular deliveries to customers in a particular area.
At its core, van insurance for courier drivers is similar to standard motor insurance for vans. However, what sets it apart is the different add-ons that are available and that are designed for courier drivers.
The specifics of the cover will vary by provider, but a good courier van insurance policy will offer a package of benefits and options. Some policies cover goods locked in your van overnight, and some provide a courtesy van that you can use to get back on the road if your vehicle is out of action.
Goods in transit cover protects the items in your van while you are out on your deliveries. This is often an optional extra and requires an additional premium.
When you take out a policy, make sure the goods in transit cover is high enough to meet the value of the goods you’re carrying. Note that there is likely to be a maximum cover value for individual items, as well as an overall cover limit for each cargo load. Check your policy details to see how much you’re allowed to carry to still be covered.
There might also be other limitations, like cover not extending to items that were damaged because they weren’t packaged properly. Read the policy details and exclusions carefully before you purchase it.
You must have at least the minimum level of motor insurance (third party only) in order to drive any vehicle legally on UK roads.
However, if you operate or work as part of a courier service, then you’ll need to take out specialist van insurance for courier drivers. This is because most motor insurance policies don’t cover business use, which means your cover won’t be valid if you use your van in a commercial capacity.
Goods in transit cover is not a legal requirement, but it’s highly recommended. If you don’t have this cover and your van is involved in an accident, you will have to pay for any damage caused to the goods that you’re transporting yourself. Depending on the value of the items, this can lead to a very large bill.
In most cases, you’ll be able to choose the same levels of cover on offer for standard van insurance policies:
For courier van insurance, you will then be able to add business related elements on top of this cover, like goods in transit cover, public liability and employer’s liability.
The main difference between courier and haulage is the type of deliveries you make. Couriers usually make many deliveries of small packages each day. The deliveries tend to be concentrated in a specific area.
Haulage work involves the delivery of larger goods, like heavy machinery, which usually means the drivers only make a small number of deliveries per single day. Haulage work also often involves delivering items further afield.
Some policies will include hire and reward insurance, which protects the goods you’re delivering for other people. You’ll need to select “haulage use” when taking out a quote for this to be included. Hire and reward cover is vital for couriers, as it protects what is essentially other people’s property against theft and damage.
The cost of your insurance will be affected by many different factors, like your age, driving experience and location. The make, model, age and mileage of your van will also make a difference, as well as when you drive it and the type of goods you transport. However, there are some ways in which you can keep the cost of your courier van insurance low:
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