Compare Courier Insurance
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Compare Courier Insurance - Vans, Cars and Bikes
If you are insured to drive a car you will have a policy called Social, Domestic & Pleasure insurance, or SD&P. This standard policy protects you for everyday driving, for example driving to work or the shops. However, it does not provide cover for courier goods. Working as a courier full time or part time puts you in a higher risk category. As this type of work normally puts you under pressure to delivery quickly and within a certin time frame. This extra pressure can and does lead to additional accidents compared to social driving. Compare Courier Insurance makes it easy for you to get cheap courier insurance quotes online.
What you need is termed Hire and reward insurance, it is more expensive than a stanadrd car policy, but you are higher risk. If you only work part time you can avail of a pay as you use type policy.
Courier insurance is an important component of any type of carrier business. If the goods that you transport can be easily sold on the black market or are valuable then you need protection against theft. Every courier business needs a good level of cover in place to protect against the loss or damage of goods that they are couriering.
Because of the inherent risks, policies for courier insurance can be expensive. To find the best deal it will pay to compare what options are currently available in the marketplace. One approach is to get multiple quotes, compare what is included and not included and the price.
Flexible Payment options Available
3 Levels of cover available
What is the difference if any between haulage and courier cover
Both have similarities, but they are also different. Both have one common feature: they both include cover for ‘ carriage of goods for hire and reward'. A premium is derived based on risk to the broker of having to payout and the average payout amount. As risk can be greater for haulage the underwriters differentiate these 2 modes of carriage as different and policies are constructed to reflect the difference.
In summary if you are being paid for the delivery of other people's goods on a multi drop basis then you should purchase insurance for couriers. The converse is true of haulage cover which will involve moving bulk goods from origin to destination. Multi drop is normally accepted to be 3 or more different drop locations per day. If delivering by car look at car courier insurance if using a van then you will need hire and reward van insurance.
What does courier insurance cost?
The cost of cover depends on a multitude of factors some of which you do have control over. One of these is which insurance category the actual vehicle that you use falls into.
These categories normally range from 1 to 20, category 1 contains vehicles that are in general the cheapest to insure. The main factors that are used to determine which group are as follows:
Is monthly courier insurance available
Taking out courier insurance for a month or on a pay as you insurance go basis is a relatively new product. This type of policy was pioneered by ZEGO who plans that match the requirements of the modern gig economy. This enables you to take out insurance on a pay as you go basis or on a 30 day basis. Initially the traditional insurance brokers were reluctant to provide this type of cover as they could not see how it could be profitable to them. However, the idea is that if you only need insurance for a short period of time you will be less risk and should pay less than someone that will be on the road everyday will be more risk and pay more.
How to reduce your courier insurance premium
GIT : Cover for the goods in haulage
In addition to the courier insurance for your mode of transport you will also require cover for goods in transit and public liability. GIT will protect your merchandise whilst in transit, some level of GIT cover may be already included in your courier policy, but it most likely not be sufficient. Make it clear to the broker the types of service or services that you intend to provide. We offer a wide range of courier insurance products with food delivery insurance being the most popular with the new gig community.
Why Compare Courier Insurance
We provide access to some of the cheapest quotes currently available online. To get quotes from top UK brokers select the start your quote button below and complete a quick online inquiry form. The quote system will then compare the market and provide you with the best quotes they have available.