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Motor Trade Road Risks, Commercial Vehicle
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Courier Insurance
Monday – Friday: 9am – 6pm

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Monday-Wednesday: 8:30am-5:30pm
Thursday: 8:30am-7pm
Friday: 8:30am-5:30pm
Saturday: 9am-1pm

Commercial Lines, Care & Charity Insurance, Risk Management, Taxi Insurance
Monday-Friday: 9am-5:30pm

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01625 348779
Assumptions

Do I Qualify?

  • Your business is based and operates solely in the UK
  • All named drivers have a full UK or EU driving licence for a minimum of 12 months
  • All named drivers have been resident in the UK for at least the last 12 months
  • This quote is for your selected Motor Trade occupation, if you undertake multiple occupations/trades please notify our contact centre agent if you wish to proceed with the policy
Assumptions

Do I Qualify?

  • You are a FULL TIME courier
  • Your business is based in the UK
  • All named drivers have a full UK or EU licence for a minimum of 12 months
  • All named drivers are between 25 and 70 years of age and have been resident in the UK for at least 12 months
  • The vehicle is not used to carry dangerous goods or visit dangerous premises (airside, nuclear installations etc)
  • The vehicle is not Q-plated, imported or Left Hand Drive
  • The vehicle has manufacturers standard security

Goods in Transit Insurance

What is Goods in Transit Insurance?

If you move goods from place to place in a courier van or other commercial vehicle, valuable items can be damaged, stolen or lost along the way. Goods in transit insurance gives you the peace of mind that not only are you insured as a courier, but the goods you transport are covered too. Every courier knows that even with the best will in the world, issues can arise between the point of collection and delivery, sometimes even after. Goods in transit insurance gives you the ability to reclaim any costs you may incur as a result of any mishaps.

While you certainly need courier van insurance (standard van insurance isn’t enough to cover the work you’ll be doing) – goods in transit is essential for the items you’ll be delivering.

What risks could I face?

At any stage of the journey, there is a possibility that the goods you’re transporting could be:

  • Damaged
  • Lost
  • Stolen
  • Delayed
  •  
    If your transported goods belong to other people or businesses there’s a danger of any of the above happening, which could be costly. You could be liable for at least some of the cost. This is of course entirely dependent on the contract set out beforehand between the consigning owner and carrier.

    Some risks increase depending on the types of goods – if you’re delivering high value electrical items like large TV’s and new Laptops or items of lower value like jewellery or watches, theft or misplacement of these items is naturally a higher risk than others.

    If a time specific delivery is required and items are delayed, the recipient may look to recover any costs incurred by this. This could be items that are mislabelled, delivered to the wrong address or signed for by the wrong person.

    How can I minimise these risks?

  • Safe Handling – Ensuring fragile/precious items are protected correctly where possible is the obvious precaution. Packaging is usually down to the sender, but loading and unloading the items onto your vehicle is your responsibility.
  • Tracking Goods – this is highly important to make sure they get to and from the destination making sure they are accounted for upon loading at the start and unloaded at the end.
  • Vehicle Security – making sure that you have good quality alarms and tracking devices means you aren’t only using effective deterrents, but also offering your insurance company more peace of mind when insuring you and paying out in the event of a claim. You could also install cameras and telematics to bring down your premiums.
  • What are other risks are there?

  • Dealing with members of the public – Usual courier business means delivering to residential or commercial properties. As such, you’ll be meeting with people regularly. Having public liability insurance means that you’ll be covered in the event of a claim against you for injury to property or people in your line of work.
  • Employing staff to deliver on your behalf – if you employ any staff you will need employers liability insurance. This is a legal requirement for claims made against you by employees following any injury, illness or fatalities while working for you.
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    There are other specialist insurance products designed for differing circumstances – for example Directors and Officers insurance protects you against claims made against you personally following decisions you make as a Director or senior manager of a company.

    Win contracts and protect your business

    Goods in Transit insurance is not required by law, but in reality you will need it in addition to the courier insurance that protects your van or fleet. In fact, many suppliers insist on goods in transit cover before they will even consider employing a courier. The cost of valuable items in transit being lost or damaged can be fatal for a company, so the right policy is essential to help you win contracts as well as to protect your business.

    Why choose Bollington?

    Many online courier insurance quotes simply do not offer goods in transit cover, even though it’s essential for your business. As one of the UK’s leading brokers we scour the market to offer a range of goods in transit policies for every type and size of business from the leading providers. It’s affordable too, with premiums starting from only £3.37 a week for a standalone policy. And working with Bollington means no hassle, no delays, no jargon.

    Public liability and employer’s liability insurance included

    Face to face contact with the general public is an everyday part of every courier’s job. That’s why public liability insurance is essential. As an employer, you also require employers’ liability insurance. The good news is that when you take out a Bollington Insurance goods in transit policy, both public liability insurance and employers’ liability insurance can be included at no extra cost. Yet another reason to trust Bollington for all your courier insurance requirements.

    Wide range of additional benefits

    As well as the cover you need for lost, damaged or stolen goods, policies can include:

    • Payment instalment options
    • UK and EU cover
    • Tailored cover to suit the specific needs of your business

    How else can we help?

    If you are not sure whether you need separate Goods In Transit insurance or a combined policy, talk to the dedicated and experienced Bollington team. We can cover your courier vehicle with the following benefits: Protected no claims discount, third party only, comprehensive and third party fire & theft policies available#

    • Drivers aged 25 and above
    • Excesses from £250 for motor insurance*
    • Vehicles up to 7.5 tonnes GVW
    • Free EU cover for up to 90 days*#
    • Uninsured loss recovery
    • £100 goods in transit excess
    • Cover for up to 6 vehicles per policy#
    • Option to include AA Breakdown & Accident Recovery*
    • Drivers with motoring convictions, claims and accidents can be covered

    * for vehicles up to 3.5GVW
    # dependent on insurer

    Tell us everything

    It’s essential to tell the Bollington team about any of your contracted conditions of carriage. Only then can we ensure that you have the right level of Goods in Transit insurance cover. This can range from coverage for the entire value of the goods you are transporting to an allotted amount per tonne of items.

    Call or click for a quick quotation

    Call us on 01625 348779 9am–6:30pm Monday-Friday, 9am-1pm Saturday or click the Get A Quote button

    Got a question?

    Why do I need goods in transit insurance?

    Because most major customers insist on it, and because the cost of replacing lost or damaged goods could easily be fatal to your business.

    Is combined courier van insurance and goods in transit insurance enough?

    It can be, but here are three reasons why it may not provide sufficient cover:

    1. You run more than a single van
    2. Your typical payload per vehicle would cost more than £25,000 to replace in the event of loss or damage
    3. Your conditions of carriage demand a higher level of cover than your courier van insurance can provide (the Road Haulage Association requires standard cover of £1,300 per tonne of goods)

    Many of Bollington’s goods in transit policies also include public liability insurance and employer’s liability insurance, making it an extremely efficient and cost effective option for most courier businesses.