Tom Heath

UK Courier and Van Insurance

This article includes pertinent information about how to find the ideal uk van insurance policy for you also what courier insurance covers for your business.

If you happen to be using your van on a regular basis in order to run a courier service in the UK, having the appropriate type of insurance is of great importance. 

It is important to understand that this type of insurance is not the same thing as ordinary van insurance. This type of insurance was designed for those people who do a variety of different drop offs on a daily basis. Since you will be carrying other people's goods and dropping them off at various destinations, you are going to be required to have a special type of insurance in order to cover this. 

You will find that this type of insurance is not something that most general van insurance companies offer, nor will you be covered by the regular type of van insurance that these companies do offer.

Whenever you begin shopping around for courier van insurance you will find that there are a variety of different types that will cover your courier van. However, it is important for you to make sure that you get the type of coverage that will cover the other people's goods. Essentially, what you are looking for is either Haulage cover or Hire and Reward cover. There is also third party insurance, third party fire and theft insurance and comprehensive coverage insurance available. You can also find insurance that will only cover those persons who are actually listed on the van insurance policy itself.  Another option is to choose to have your insurance policy cover your entire organisation.

So, what exactly does courier insurance cover? The answer to this question actually depends upon what type of coverage you select whenever you get your UK courier van insurance policy. If you choose to get a Haulage policy, then all of the goods that your van caries for other people on a multi drop basis will be covered. However, it is important to understand that your own personal goods will not be covered under this type of an insurance policy.  In order to insure your own personal goods, you will need to add a Goods In Transit policy.

You should also know that there are a variety of discounts available to you.  Some of these various discounts include:

1. Introductory discounts are available from some insurance companies for those who are just getting started in the courier business.

2. Discounts are available for those who have a good driving record.

3. Discounts are also available if you choose to have several different types of policies with the same insurance agency.

If you have multiple vans that you are using in your courier business, then you are going to need to put courier insurance upon all of the vans that you use.  In such a case you are going to want to look into what is known as fleet insurance for couriers. With this type of an insurance policy you will be able to insure all of the various vans that you are using for your courier business under just one single policy.

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