At Bollington Insurance, we are experts in wheeled-vehicle insurance. Since 1973, we have been working with leading insurance providers in the business to find you the most suitable cover and to help you minimise costs.
What Insurance Do I Need To Be A Courier?
Courier insurance is designed for when you are working with multiple-drop deliveries, and will cover you in the event that your commercial vehicle is involved in an incident or accident. You may be involved in transporting anything from the ‘traditional’ courier goods such as packages and parcels, or transporting electronics and even essential medical supplies to multiple locations on a time-sensitive basis.
You will need to find a different kind of insurance if you are dealing with single-drop deliveries such as takeaways and haulage, and for taxi firms. You might not realise this, but courier insurance might be necessary if you use your personal car to deliver time-sensitive parcels part time. However, your private car, motorbike or van insurance – even if you take out Class 1 Business use – will not protect your work as a courier.
If you manage a fleet of courier vehicles, we can help you find the best possible cover for the risks your business faces. We can even advise you and help you find telematics devices that will help you keep the costs down.
Which insurance is a minimum for couriers?
Courier Van Insurance is for when you have up to five vans. There are three levels of cover available: third party only, comprehensive, and third party, fire and theft insurance. Third-party cover is the minimum you need to be able to deal with the public safely.
You may also require goods in transit insurance, to protect the value of the goods you transport should they be lost, damaged or stolen, and public liability insurance, in case you are involved in any accident involving the public. If you have employees, you might need to consider employers’ liability insurance.
Using our industry knowledge and depending on your needs, we may also be able to include the following features in your policy:
Protected No Claims Discount
• Drivers aged 25 and above
• Excesses from £250 for motor for vehicles up to 3.5GVW
• Free EU cover for up to 90 days (dependent on insurer)
• Uninsured loss recovery
• Public Liability and Employers’ Liability
• Goods in Transit Cover
• £100 Goods in Transit excess
• Cover for up to six vehicles per policy
• Option to include AA Breakdown & Accident Recovery
Bollington Insurance offers excellent cover with highly competitive premiums on courier van insurance for vehicles up to 7.5 tonnes GVW.
Van and Fleet Insurance is for when you have more than five vehicles (and when most of these are vans). This type of insurance allows you to change the vehicles you cover through time, and there are a number of features from which to choose. We also offer flexible payment schemes through installments.
Couriers operate in a wide range of areas with vastly differing circumstances, so the cost of insurance we broker for you is based on the actual business you carry out. This includes your drivers’ history and experience, the area you cover, and the type of goods you work with. You can request a callback or use our online quote form to find out more. Our team of account managers are experts in wheeled businesses to make sure you get the right cover for your needs without paying any more than you need.
For courier insurance, contact the experts at Bollington Insurance today.