Van Courier Insurance
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Courier van insurance is designed for anyone who drives a delivery van that makes multiple deliveries in a single area. Couriers spend long hours on the road making deliveries all through the day. As they drive and make deliveries, couriers also face higher risks of accidents and other road hazards.
If you’re a courier van driver, it’s imperative to have the right commercial van insurance to protect you and your van when you’re out making deliveries. Your workdays involve staying on the road for large parts of the day; you can incur high mileage, make frequent stops, and have a stressful schedule to make deliveries on time. These are the reasons you need courier van insurance.
You’ve come to the right place if you’re searching for the right van courier insurance. We partner with top van courier insurance providers to protect your business. Whether you own a fleet or a single courier van, we can help you find the right insurance for your business. We work with you to find the right policy at an affordable price.
Van Courier Hire and Reward Insurance Policy Can Include:
Van Courier Insurance FAQs
What is Van Courier Insurance?
Van courier insurance, also sometimes called hire & reward insurance, is designed to protect drivers who make multiple deliveries. This work usually involves making deliveries of goods for payment. Courier van insurance protects against unique risks drivers and their vans face when making deliveries in the same area.
Courier van insurance is not the same as haulage can insurance. Haulage van insurance covers longer journeys that involve one or two stops. However, courier van insurance may cover vans for light haulages, such as removal services.
What Does Courier Van Insurance Cover?
Courier van insurance offers three levels of coverage, including:
Third-party only: offers protection if you damage someone’s property or injure a person while driving the van. It also protects passengers in the van who may be injured. However, this coverage does not pay if your van is damaged or stolen. It also doesn’t cover your own injuries. Third-party only is the minimum level of insurance you’re required to have by law.
Third-party, fire & theft: this offers the same protection as third-party only; however, your van will be protected against damage caused by fire or theft. However, if the van suffers damage in an accident, this level of cover does not pay to repair the vehicle. And if you’re in an accident, the insurance covers the other person/driver involved but does not cover your injuries.
Comprehensive: covers everything in the previous levels of insurance, as well as repairs to your van (or replacement), and pays for your injuries, too. This is the highest level of coverage you can purchase.
Courier Van Insurance Add-Ons
In addition, some insurance providers also offer add-ons that you can purchase. These are “added-on” to your regular policy and may include:
Goods in transit cover: protects cargo against loss, theft, and damage. The level of coverage must be high enough to meet the value of the goods carried.
Public liability insurance: protects your business against claims and legal costs that others may bring against you.
Employers’ liability insurance: protects your employees in case they’re injured, become ill, or die while working on the job.
Do I Need Van Courier Insurance?
If you answer yes to these statements, then you need van courier insurance:
- You’re a self-employed courier, work for a courier company, or run a courier company, ie delivering parcel for Amazon or Hermes etc
- You have between 1 and 5 vehicles.
- Your job/business involves making multiple deliveries on a tight schedule during a typical workday.
- You make multiple deliveries in a single area.
You may also need van courier insurance if you use a personal vehicle to deliver packages part-time. Standard vehicle insurance usually doesn’t protect working as a courier.
Do I Need Fleet Van Courier Insurance?
Yes, if you have more than 2 vehicles, it would also work out cheaper under a motor fleet insurance policy
Can I Get Courier Insurance on my Car?
Yes, it’s necessary to get hire & reward car insurance. This will offer protection when you use the vehicle to make multiple deliveries in an area.
Will My No Claims Discount From my Car Insurance Transfer to my Van Courier Insurance?
No. Only a courier no claims discount may be transferred.
Can I Get Van Courier Insurance if I’m Under 25 Years of Age?
Yes, it’s possible. However, most insurers charge higher premiums for drivers younger than 21 or under 25. Generally, younger, inexperienced drivers are seen as a higher risk than older, more mature drivers which is the main reason hire and reward policies would be more expensive.
Does Van Courier Insurance Protect the Goods I Carry?
No, it doesn’t. You’ll need to buy another insurance policy called “Goods in transit” insurance to protect the goods you carry in case they’re stolen, damaged, or lost.
What Can I Transport with a Van Courier Policy?
Van courier insurance covers most items you would likely carry. However, this insurance does not cover high-risk items or hazardous goods.
How Can I Get Cheaper Van Courier Insurance?
We understand that van courier insurance can be expensive; however, there are some ways you may be able to find a more affordable premium. The methods below work whether you choose third-party only, third-party, fire & theft, or a comprehensive policy. The key is to ensure you’re perceived as a lower risk by insurance providers.
Advertise your business on the van: doing so can act as a deterrent against thieves.
Purchasing a black box policy: a block box policy involves the insurer installing a telematics device or an app on your phone to monitor your driving. The device is used to determine your insurance premium. If the data shows you’re a careful, safe driver, you could have a lower premium. However, if the data is otherwise, your premium could go much higher.
Install a dashcam: a dashcam can make it easier to prove a claim if a third party is at fault.
Increase your voluntary excess: this may work to cut your van courier insurance premium. However, keep in mind that you’ll also need to pay a higher excess in the event of a claim.
Improving van security: using anti-theft security measures in your van can help lower your insurance premium. Here, each insurer may have its own security requirements that must be met by installing the security devices they recommend.
Never auto-renew: while it can be a hassle to compare insurance quotes each year, it can save you a lot of money. You may even find a more affordable van courier insurance policy.
What Information Do I Need for a Van Courier Insurance Quote?
When you’re comparison shopping for a van courier insurance policy, it’s a good idea to have this information on hand. You may need it to fill out the form or when talking directly with the insurance provider.
- Van registration number
- Type of van
- Number of seats
- The date you purchased the van
- Security features installed on the van
- Level of coverage you want
- Driver’s personal details
- Driving history (you’ll need information on claims and motor offenses)
- Estimated yearly mileage
How to Get A Quote For My Van Courier Insurance?
Now that you have a basic understanding of van courier insurance, you’re ready to comparison shop for quotes! On MyMoneyComparison.com, we’ve brought together highly esteemed insurance brokers who are dedicated to helping you find the best insurance policy for your circumstances.
Our website makes it easy to comparison shop and receives quotes for van courier insurance. All you need to do is fill in the form on our site, hit “Enter,” and wait a few minutes. You’ll then receive quotes from different insurance providers to review.
As you review each policy, remember that many insurers offer van courier insurance. Each provider has its own policies, with each one differing slightly. So, be sure to read through the entire policy carefully. If you have any questions, we recommend contacting the specific insurer directly. That way, you’ll know exactly what’s covered (or not), and they can help you with specific questions.
Regardless of your insurance needs, we can help you compare quotes on MyMoneyComparison.com!
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