What is Courier Van Insurance?
Courier Van Insurance is a specialist form of insurance policy specifically designed for couriers working from a van either full or part time.
Van couriers typically carry more goods and goods often of a greater value than those from a car and as such, a more specific policy is required.
A policy can be completely tailorable but will general be designed to protect and cover the goods you carry, your van and you yourself if required.
Do I need Van Courier Insurance?
If you work as an independent courier delivering goods for other people, then yes, a courier insurance policy is required and 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, as a courier, you will be 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!
How much does Courier Van Cover cost?
Courier Van insurance is typically 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.
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 insurance.
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.
Why use Total Insurance?
We work with some of the most competitive and experienced courier van insurance brokers in order to provide you compare courier van insurance quickly and easily.
Our partners work efficiently and can often have a price for you at the end of the phone call!
We can help find cover for:
– Courier Fleet Insurance
– Limited Claims History
– Courier drivers with convictions
– Self-employed drivers
– Full Time Car Couriers
Some of the benefits our courier brokers provide are:
– Professional and expert knowledge
– Goods In Transit Cover
– Breakdown Cover
– Protected No Claims Bonus
– Discounts for drivers 25+
– Public Liability Insurance
– Employers Liability Insurance
– Help finding work if you run low
– EU Cover
– Pay Monthly by Direct Debit
Frequently Asked Van Courier Questions
There are often lots of questions when it comes to courier cover, below we have answered a few of the most common ones.
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.
Typically the answer to this is No but some brokers will allow it. Ask the advisor when you speak to them.
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.
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.
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.