Insurance for Courier Vans

If you own or run a courier business you have the responsibility to protect your vans, their contents, your drivers and the general public from anything that could go wrong. Courier vans spend a significant amount of time on the road each day therefore it pays to have a solid insurance policy in place which will provide cover for all eventualities.



Unexpected occurrences, such as fire, damage or theft, can cause major disruption to your business and can end up being costly so having insurance in place which allows for this will save you time and money in the long run.



If you are searching for courier van insurance, shop around and obtain quotations from different providers so you can find the best policy for your requirements.



As with most vehicle insurance, courier van insurance offers varying levels of cover. The three main levels of cover are fully comprehensive, third party fire and theft and third party. All of these options tend to include legal cover so in the case of an accident occurring, all legal costs will be covered.

Fully comprehensive cover is recommended for courier van companies as this type of insurance policy will provide cover for clients’ goods which are being transported in your vans. If customer goods are stolen, lost or damaged during transit, it is vital that your insurance will cover the cost or replacing or repairing them. Courier drivers may handle a number of valuable packages each day so it is important to have an insurance policy which reflects this reality.



A third party fire and theft policy will cover the courier van itself and its fixtures and fittings if they are stolen or damaged in a fire.



Third party insurance is the most basic type available and will cover the cost of any damage you cause to another drivers vehicle.



When comparing different insurance quotations, remember to compare like for like and look out for crucial factors, such as whether a courtesy van is provided if your courier van were to be damaged or stolen. Courtesy vans can allow you to carry on with business as usual and therefore may prove invaluable to your company.



Policies and premiums will vary depending on which insurance provider you use so be sure you understand exactly what is covered by your policy. Some insurance providers will not cover the cost of theft or damage to goods which are left in a courier van overnight whereas other providers will, so ensure you check points like this if they are applicable to your business.



Some courier van insurance providers require drivers to be over 21 years of age and have held a full driving licence for at least 1 year, another point to check before making a decision on where to purchase your insurance.