The most important thing to do when working as a Motor Cycle Courier is to have the correct Motor Bike insurance cover in place. In the event of an accident you don’t run the risk of losing your livelihood as well as your bike. Most standard motorcycle policies exclude courier use, so you must buy a specialist policy. We can provide motorcycle courier insurance for the following:
At Be Wiser, we work with specialist insurers to find the right policy for you and your business. Speak to one of our advisors today for a free quotation on 0333 999 0802. We are based in Andover, Hampshire and prefer to talk because it allows us to get to know you better and ask follow up questions so we can connect you with the best policy possible.
Having your bike insured is one thing but if you are going to make your living from being a motorcycle courier, you need to have a number of liability insurances in place such as Public Liability, Employers Liability and Goods in Transit. Without these you are leaving yourself, your business and your customers at risk.
The good news is that as an experienced Insurance Broker, we can put together insurance cover that is affordable and tailored to meet your needs. Rather than having a separate policy for your bikes and another policy for your business insurance, we can put these both under the same account. There is no need to pay two different premiums and worry about two sets of paperwork and renewal dates, we can put this all together, saving you time and money.
All new policies with Be Wiser include free breakdown cover, claim assistance, helmets and leather cover and mobile phone and gadget cover too, so you already make a saving when you sign up. The additional cover you can purchase includes:
Goods-In-Transit: This covers any goods that get damaged, lost or stolen during transportation. It is possible that a due to difficult road conditions or an accident, your items can break during deliveries. There is also the risk that anything you carry that is valuable may be vulnerable to thieves. But with GIT insurance, your insurance can reimburse you for any replacement goods or their value, so at least you can keep your customers happy.
Courier Breakdown Cover: Any broken down motorcycles on the road are not going to be productive when you are running a courier business. Fortunately, Be Wiser offers this as a standard so if one of your bikes breaks down, a professional will come quickly to fix it so you can be back on the road and making deliveries in no time.
Accidental Damage Cover: With several bikes on the road, there is always the possibility of being involved in an accident with other vehicles, pedestrians or your delivery accidently falls off during transit. With accidental damage cover, you can protect yourself and your business for any event and set the limit based on the risks involved.
Personal Accident Cover: For any personal injuries to your staff whilst on the road, this specific cover can pay towards any medical bills, compensation and days off work. If you have drivers that are constantly on the road and perhaps drive through difficult weather and road conditions, you need to be prepared for any personal accidents.
Business Interruption: In the event that your business is suddenly interrupted, this insurance can help you replace any valuable vehicles, contents or cover your loss of revenue. Things that could interrupt your business include an unexpected fire or flood that destroys all your vehicles and deliveries. This would put your business to a halt, so having that interruption insurance can be very useful.
Employers' Liability: This is compulsory for any business owner who employs people other than their family members. Employers liability will protect any couriers that are injured or hurt during their business activity and this cover will pay for any compensation, medical bills and loss of income.
Public Liability: For any accidents that happen in the public sphere, this cover protects you against any lawsuits from pedestrians, other vehicles and property damage. For instance, public liability insurance can pay for any damage caused by your vehicles to lampposts or public property. In another scenario, if one of your deliveries falls out during transit and damages another car in the process, your cover will contribute towards the victim’s repairs.
Helmet and Leathers Cover: This is included for free in your policy with Be Wiser and encourages drivers to be safe by wearing a helmet and leather jacket.
In addition to having NVQ Level 2 and purchasing insurance in a fleet, one of the best ways to save on your motorcycle courier cover is to add security features to your vehicles. By keeping all your motorbikes in a locked garage overnight, this makes them less likely to be stolen, so your insurer will reward you with a lower premium. Any additional bike locks that you can add to your vehicle when it is not in use will be welcomed. You can also add locks on the delivery boxes and extra protection so that they avoid being damaged during transit.
Another factor to save you money involves looking at your mileage and times of day that you drive. You can arrange a mileage limit with your insurer so that you do not spend more on your premium than you need to. Also, if your drivers are zooming around during quiet times of the day or the weekends, this may also lower the premium as it means there is less risk of being in an accident.
To make sure you get the best deal possible, you can speak to our advisors today who will compare several policies and arrange the best cover and price for you.