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Should you be delivering take-away food, or flowers, Class 3 Business Insurance may cover this type of delivery. It should be understood, that this type of policy does not necessarily provide cover for any and all businesses.

It is imperative that you take the time and do the research needed in order that you obtain not only the best deal possible deal, but cover that is correct for your unique situation. As is the case with most things in life, you get what you pay for. Do not assume that the cheapest is best. If you do this, you could very well end up with the wrong cover.

As a transporter of goods, you most likely will out on the road often. For this reason, it is wise to include comprehensive cover to your courier Car insurance policy. This can provide cover for every eventuality.

Insurance companies tend to consider carriers of goods  as high risk. This is mainly due to the fact that they not only make multiple stops in the course of their business, but that they often find themselves working against the clock. These insurers are also well aware of the fact that couriers often carry valuable goods, a fact that thieves know as well.

As is the case with normal car insurance, carrier of goods cover falls into three main types.

· Comprehensive

· Third Party Only

· Third Party Fire and Theft

Regardless of what type of cover you choose on your courier car Insurance policy, you will need to pay an excess. This is the amount of money one pays towards any claim that they are responsible for. This also would apply to any accident you might be involved in that was deemed your fault.

How many drivers am I allowed to have on my Courier Car Insurance policy ?

In general, there are no restrictions as to the number of drivers you can have on your policy however, most insurers will definitely place conditions on who can drive. The premium cost for your policy is often affected not only by the age, but also the claims history of your named drivers. You can also avail yourself of the any driver cover option, but it goes without saying, (we’ll say it anyway) The greater the amount of drivers you have on your policy, the greater the cost.

Regardless of what vehicle you chose to drive, it is advisable to carry goods in transit cover on your car courier Insurance policy. This will protect the goods that you have been entrusted with against damage or theft.

Here are other types of cover that should be considered .

Goods in Transit Cover – If you transport goods of high value  you should look at GIT insurance which is in addition to basic car insurance and will cover you for loss or damage to goods in transit. Please note it is common practice for these types of polices to have  a list of exclusions for example diamonds. Do take time to ensure that the items that you transport or not on the list and if they are you will need to negotiate with the broker to get them added to your policy.

Employer’s liability cover – If you employ staff you are open to claims made by them. Taking out employer’s liability cover will safeguard you from what can be substantial costs should a claim be made against your business by one of your employees.

Vehicle breakdown cover – If you transport time critical items then you need to be able to quickly continue your onward journey breakdown cover which will get you mobile again quickly so that your business in not severely interrupted.