What is courier insurance?
- Courier insurance is designed to provide protection both for couriers and their packages
- If you use your van or pickup truck for haulage, you’ll either need a courier or a goods-in-transit insurance policy
Couriers often transport valuable packages for their clients, and tend to spend significantly more time on the road than your average driver. This means they are exposed to more risks, which standard insurance policies may not cover.
That's where courier insurance comes in. Designed specifically for the unique risks couriers are exposed to, a courier policy can provide adequate cover when cargo is lost, stolen or damaged.
A standard courier insurance policy will offer different levels of cover for anyone carrying other people’s goods for ‘hire or reward’ (for payment). These policies could protect your employees, vehicles and cargo against damage and a range of other risks.
As with other insurance types, various policy options may be available, depending on the provider. These can include replacement vehicle hire, windscreen cover, legal cover and no-claims bonus protection, which can help keep your business moving in the event of loss, damage or theft of your vehicle or cargo.
Do I need courier insurance?
If your van and cargo are essential to your business, having the right type of insurance in place in the event of damage, loss or theft could make all the difference.
From the high daily mileage of delivery drivers to the variable value of their cargo, couriers and courier companies are exposed to a range of unique risks on a daily basis. Regular insurance policies are not designed to cover these risks, so you'll need specialist courier insurance. The right policy could cover you for;
- Your goods in transit
- Vehicle damage
- Public liability
- Employer's liability
And much more, depending on the type of cover you choose. you'll want to make sure you pay the right price for the right insurance cover to protect your business, customers and cargo from loss, and that’s where Confused.com can help.
Click the ‘Get a quote’ button above, and we’ll compare up to 19 insurance providers to find our best policy and price for you in minutes.