As a courier, your job is demanding between the clients whose parcels you’re delivering and the customers you’re delivering to expecting their parcels to be delivered on time and safely without any damage. Add to that the expectations of everything arriving on time during even the worst weather conditions and you have a lot to think about, and you need business insurance which runs as quickly as your business does.
That’s why at Be Wiser Business Insurance we work with the UK’s leading insurers to obtain an array of quotes and compare them for features and price, and present you with the best option for your business. No matter the circumstances you need insurance that allows you to keep your courier business moving and that’s where we can help.
This depends on the needs of your business, it could be dependant on whether you have a fleet of vehicles and couriers, or you’re self-employed, how long you spend on the road, the goods you carry and the level of cover you need. However, when looking at courier van insurance you should look to include the following elements within a policy as a bare minimum. If you need something more bespoke, give our expert teams a call and they’ll talk you through the options and which will work best for your business.
Van Insurance – If you make up the left side of a heart for your business, the vehicle you use to deliver goods is the right side. They work well together providing a vital service, but one without the other and the system fails. Having appropriate insurance on your vehicle is essential for your policy and we offer varying levels of cover including third party, third party fire and theft and fully comprehensive. It would also be valuable here to look at options that include a courtesy vehicle in the event yours is involved in an accident and needs repairing or replacing completely.
Covering your vehicles is one thing but what about the goods you are carrying? For courier businesses, making sure the precious cargo is delivered on time and in one piece is essential to running a successful enterprise. Goods in Transit Insurance is designed specifically for the unique risks that couriers are exposed to and will cover you if your cargo is lost, stolen or damaged in transit. Your insurance will be able to reimburse you and the client for the damaged goods, based on the level of cover you take out.
With several couriers on the road and lots of deliveries to make, your business cannot afford to have any vans broken down on the side of the road. Courier breakdown cover means that any fees incurred for calling out a professional to come fix your vehicles will be covered. It will give you and your business the peace of mind knowing that your drivers doing long hours on the road will be able to call up and get their vehicles fixed if need be.
There are several things that could potentially interrupt your business and bring it to a standstill, for instance:
For any unforeseen circumstances like the ones above, you can get a specific cover that will pay you for any loss of income during this period. If your clients are also affected because your business interruption and they pursue legal action, any legal fees and compensation can also be covered by your insurance.
When carrying out your business activity, you always run the risk of being responsible for other damages, accidents and injuries and this is what liability insurance can help you with. Public liability insurance is specifically to cover any members of the public that you come into contact with. For instance, if one of your deliveries falls out of your van whilst in transit and damages another vehicle or injures a pedestrian, any legal, medical fees and compensation claims can be covered by your insurance.
Employers liability is a legal requirement if you hire staff that are not direct family members. This insurance will cover any injuries sustained by working as a courier for your business, including the effects of long-haul driving, back injuries and damage due to heavy lifting. This cover can contribute towards sick days, medical bills and loss of income.
If you are couriering goods across Europe, you will need specific cover for this. If your vehicle breaks down in Spain or your goods are stolen in France, you need to have the appropriate cover so that you can get reimbursed and not be financially worse off.
If you have several couriers on your books and they are using different vehicles every day, most policies will be issued on an ‘any driver basis.’ This means that different drivers will be insured to use different vehicles and this is perfect if you have employees doing different shift work. Also, if a vehicle breaks down, the driver can simply continue driving in another vehicle so there is no downtime for your business.
Whether you already know what insurance you need, or need some help in finding the right options for your business, our friendly team are on hand to assist. To make getting a courier van insurance quote easier we have a range of options you can pick from to get in touch with us. You can get an online quote, give us a call or if now isn’t a good time request a callback and our team will call at a time better suited for you.