Many couriers will frequently deliver large amounts of goods and then transport them to a number of different locations. They will be insured to cover this form of work. However, you may also be tempted to undertake other forms of work to make use of your van, such as helping people to move house, clearing rubbish or transporting furniture. Failing to mention this additional work to your insurance broker could lead to problems, as much of it may not fall under the same remit as your courier work. If you have an accident while carrying out this other work, you may find that your vehicle is not covered as it is not being used for the specified purpose. The goods you are carrying may not be covered either, leaving you open to claims from angry customers.
When you deal with an experienced insurer such as Bollington, you get a broker who can access all manner of specialist markets and coverage plans, meaning that a vast array of goods can be covered. This specialist cover may not cost you much extra and it could potentially save you a fortune. Is it essential to fill the insurer in about what sort of goods you plan to carry in order that the insurance coverage is right for you.
Many couriers believe that insurance coverage will be far more expensive the further you travel from your base. However, while in the past this may have been the case, today this often has little bearing on coverage costs. What is important is to let the insurer know what sort of area you plan to cover. For example, if you have confirmed that you only cover a radius of 100 miles from your base and then you have an accident while delivering goods more than 200 miles away, you may find you are not covered.
It is always worth double checking with your insurance broker as to the smallprint linked to whatever coverage level you are purchasing, so as to iron out any doubts there may be over whether or not you will be covered for a certain type of work.
Bollington has provided courier insurance for more than two decades and you can feel confident that our team of experts will help you to find the coverage to suit you at a price you can afford. Call us on 01625 348779, or fill out our online courier insurance quote form, making it clear what sort of goods you plan to carry. We will be more than happy to offer advice on your insurance options.