Courier insurance is designed explicitly for the risks that come with couriering. Due to these distinct risks that courier drivers are uniquely susceptible to, they need courier insurance, rather than just being covered by the standard car insurance. This kind of policy covers courier drivers in the event of theft, damage and loss, as they are transporting and delivering items for clients, and driving to multiple locations.
Both types of insurance are used for couriering, in the sense that goods are being transported. But there is a distinct difference. Haulage contractors often have pre-determined contracts and will know what exactly they are carrying. Courier drivers on the other hand don’t have pre-determined contracts and they transport one-off items, often at short notice without knowing what they are transporting. It’s an important difference to keep in mind and to have the correct courier service insurance.
Private car insurance is not related to couriering and goods carrying vehicles and covers the motor insurance needs of those that use private cars.
The level of courier insurance cover that you need will depend on what kind of vehicle you will be couriering in and if you have a courier fleet of vehicles. If you are couriering in a car, then the standard courier insurance will be ideal. If you are couriering in a van, truck or lorry, then haulier insurance would be suitable. If you have a fleet of vehicles for couriering, you should opt for courier fleet insurance, which will help you to save money.
Yes, you can. Business Choice Direct don’t place any restrictions on the number of drivers named on insurance policies. However, we do place restrictions on who can drive on that policy, regarding claims histories, the age of the courier driver and criminal convictions, for example.
Business Choice Direct are here to help. We know that finding the best courier insurance quote can take time. For cheap courier insurance and cover for your motor insurance needs, contact Business Choice Direct today.