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Courier motorcycle insurance offers valuable protection to you or your courier drivers. Getting this type of courier cover can be expensive, as such it pays to do some research and compare courier insurance policies on offer from multiple UK insurance brokers. The price should not be the only indicator used when selecting a policy it is very important that the policy meets fully with your individual or business requirements as we mention in the following paragraph going for cheap may leave you under insured which will put your business at risk when it comes time to activate your insurance policy.
Delivering goods by motorbike does save on time and naturally fuel costs and is very cost effective especially in large towns or cities like London or Manchester. However this form of transport does attract a higher level of risk to the underwriter responsible for arriving at a policy premium that keeps both you and them covered. Start by figuring out what type of courier motorbike insurance will be required for your courier business, if you are responsible for the movement of valuable items it would be wise to choose a policy that offers goods in transit also abbreviated to GIT. Do examine any exclusions in any proposed courier motorcycle policy, which is normal in these type of polices. One example would be the movement of dangerous chemicals or expensive cargo such as jewelry.
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Goods in Transit Cover – This should be considered if you are transporting items of high value or items if delayed can result in financial loss which you may then be held responsible.
Public liability cover – Should your motorbike be responsible for an accident that causes damage to property or a member of the general public. In such a situation you will be liable for any resulting costs plus possible medical bills, which goes without saying can lead to hefty costs that may be too much for your business to shoulder. This is where public liability insurance comes into play, protecting you from claims for damage or injury to a member of the public whilst carrying out your daily business.
Bike breakdown cover – Bikes can and do break down it is at these times that breakdown assistance cover would help with getting you back on the road as quickly as possible without being responsible for paying towing and other expensive fees that can occur when any vehicle breaks down.
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