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The same as the goods that you move around, courier policies come in all shapes and sizes to suit the different ranges of customer, There are however a few essential features which you absolutely must have.
By making sure a policy fits your needs, you’re business will run a lot smoother and you will be able to easily handle any problems if and when they come up.
In the UK, you must have the correct motor insurance in order to drive your vehicle on UK roads. When you take on work as a courier driver, by law you will need to cover yourself for ‘carriage of goods for hire and reward’ so that you are legally covered.
Working as a courier your job will involve handling valuable packages on a daily basis, and not having the proper insurance cover could leave you financially liable should these packages be lost or damaged whilst they are in transit.
Very much like normal car insurance, courier insurance falls into three main types of cover which are third party only, third party fire and theft, and fully comprehensive.
Regardless of what type of cover that you choose, you are going to have to pay an excess, which is simply the amount of money that you will pay towards any claim for which you have responsibility for. This also applies should you be involved in an accident which is your fault.
A courier will deliver all types of goods as part of their work. You will be transporting various parcels, or electronic, even medical supplies. No one likes paying out high insurance premiums, but there are in fact particular types of risk that are associated with this type of work, You know, the work where you visit multiple locations and are in a hurry. Legally, you are required to have some sort of insurance coverage against the risks that you pose to other road users, their vehicles, and their property. There are other types of delivery such as takeaway, taxi, and haulage that pose different sorts of risks and therefore require different types of insurance. Best is to find a policy that can be tailored to your business, make sure are fully covered, and don’t pay more than you need to.
Courier insurance is needed even if you use your personal car to deliver parcels and you just work part time. Private car, motorbike or van insurance (even if you have taken out Class 1 Business use) is not sufficient to protect you if you work as a courier.
There also are different levels of Road Risk insurance that are available. You may want to insure your own vehicle and person against incidents and accidents, or possibly only have a third-party only policy.