Compare Courier Van Insurance
Working with specialist providers, we can quickly connect you with the best companies for courier van insurance. Insuring a courier van can be quite expensive, by using our free service, you can quickly find who can help you most.
Van courier insurance can be quite pricey if using the wrong broker, this is where we step in the help you compare the right brokers for your policy needs.
What is courier van insurance?
Courier van insurance is a specialist form of policy designed for single vehicle couriers working from a van either full or part time.
Van couriers typically carry more goods often of a greater value than those from a car. Because of, a more comprehensive policy is required.
A commercial van insurance can be completely tailorable but will general be designed to protect and cover the goods you carry, your van and you yourself if required.
If you need to insure more than one vehicle, you may wish to check out our courier fleet insurance page.
Who needs courier van insurance?
Anyone who works as an independent courier delivering goods for other people requires a courier insurance policy. Although it is not a legal requirement to insure the goods you carry, courier companies will not hire you unless you do.
Insuring a vehicle for use on the road though is a legal requirement.
With a huge rise in online shopping, the demand on courier services has never been so great. From £20 roller blades to £1000 LED TV’s, couriers are now delivering it all. In the event one of these items is stolen and damaged whilst in your possession, you will be required to replace it and this is where your van courier policy will step in to pay out!
What do polices cover?
Policies are completely tailorable to your individual needs and what you wish to cover. The type of insurance you pick is completely up to you but you can expect to pick from the below.
Commercial Van Insurance
To cover your van is a legal requirement. If you drive on UK roads for whatever reason, you must have van insurance! As part of the quoting process, you will receive a van insurance quote that covers you for commercial use.
The vehicle protection part of your policy will be broken down into either: third party only, third party fire and theft or fully comprehensive.
Goods in transit cover
Goods in transit covers the goods you carry. In the event something is lost, stolen or damaged, you are directly responsible for them. Having goods in transit cover will protect you from this and cover the cost of the lost or damaged goods.
Public Liability Cover
Public liability insurance covers you against claims arising from the public. Van couriers tend to carry heavier and bulkier goods of which they carry into public places. If you damage something whilst doing this, you are liable.
Public liability for van couriers will cover you against this.
Courtesy Van Cover
In the event of total loss of your van through damage or theft, unless you have a replacement lined up, you will not be able to work. Courtesy van cover will step in to ensure you have a replacement vehicle to allow you to keep working.
How much does Courier Van Cover cost?
Typically it is a little more than standard van insurance due to the commercial aspect and carriage of goods in association with the van.
The average cost of your goods however is what will see your price fluctuate the most. The greater the average item value you carry, the greater your premium is likely to be.
Can I get Cheap Courier Van Insurance?
Your ability to get cheap insurance will depend heavily on your own risk profile. Everything will be considered such as your driving history, courier experience, age, location and more.
If you maintain a good driving record with no claims, your chances of getting a cheap policy increase greatly.
Reducing the cost of your policy
There are several things you can do though to help reduce you premium such as fitting immobilisers and additional locking methods to your van.
Keeping goods away from windows and doors is also very important and never leave the van fully loaded overnight.
Limited mileage is also a good way to reduce the cost of your courier policy. If you have a good claims history and operate as a responsible driver, then your chances of getting cheap courier van insurance are very good.
Frequently Asked Van Courier Questions
There are often lots of questions when it comes to courier van cover, below we have answered a few of the most common ones.
Will my Courier Van Policy cover goods in transit?
Yes, a full and complete policy will cover the goods you carry. It is important to ask though what value you are protected up to. If you are only covered up to £10,000 worth, then you will not be able to make a £15,000 claim.
Can I transfer my Private Car NCB?
Typically the answer to this is No but some brokers will allow it. Ask the advisor when you speak to them.
Will other people be able to drive my courier van?
Yes, as long as you request them to be named on the policy. If they are not named, they will not be able to drive.
How long does it take to get a policy sorted?
If you have all your details to hand and there are no surprises in the checks we carry out, you could have your policy ready the very same day! This allows you to trade instantly with no delays.
Can you cover multiple vehicles?
Yes, if you require multiple vehicle cover, we can certainly help. Simply have the details to hand and ask our advisors when you speak to them.
Why use Total Insurance?
We work with some of the most competitive and experienced courier van insurance brokers in order to provide you compare policies quickly and easily.
Our partners work efficiently and can often have a price for you at the end of the phone call!