We can help you compare the cost of courier van insurance with multiple UK brokers. When you enter your van insurance details into the online form, these will be made available to a panel of 20 plus UK brokers. Each broker will compete for your business and send you a tailored quote that you may compare with previous offers received.
When it comes for insurance renewal don’t just simply accept the new premium that your broker sends. First check what is currently available by checking some comparative websites. If you find a like for like quote that is cheaper you may use this to lower your current premium of if unhappy change to a new insurance broker, either you will save money.
Courier van insurance is necessary If you operate a goods delivery service for example fast food delivery. As part of your business you are exposed to a lot of risks. Your vans are on the road most of the times, and you have the additional responsibility of delivering the consignments to your customers safely as it speaks volumes about your credibility.
Sometimes the goods in transit are expensive and easy to to sell on the black market which makes your cargo susceptible to theft. There is no reason to worry as taking out a van courier insurance policy will help protect you or your business against any unseen future circumstances.
This is cover that provides insurance for the goods that are being moved from A to B. This is essential for many drivers that are responsible for transporting goods. However, the insurance broker is aware that valuable items can put them at major financial risk should they have to pay out. So if your business is couriering diamonds you may find it difficult if not impossible to get insurance.
As such these transit insurance polices come with a list of exclusions that cover will not be provided for. If in any doubt consult with your broker before accepting to transport an item that was not initially on your agreed list. In some cases it may be prudent to ask the customer to provide the cover.
Like all insurance the premium that you pay will be based on many factors. These factors have one thing in common in that are used to determine the risk that you pose to the underwriter. No claims history is a key factor in the underwriters calculation, so safe driving should always be a priority to keeping your ongoing premiums low. If you are young driver under 21 or 25 you will fall into an age group that have been proven statistically to be high risk and will pay a higher premium.
There are many other factors that you as a driver can reduce these risk factors and in so dong reduce your annual or monthly van courier insurance premium. Below we have complied some practical steps that you can take in order to reduce your risk to the broker and in turn be rewarded with cheaper van courier insurance quote.
Inspect any courier van insurance policy offer, looking for items that you do not need cover for. An obvious one would be that if you see that breakdown cover is included, but you already have this outsourced direct to a national breakdown company ( which is usually cheaper).
Consider the excess amount, if in agreement with your broker you increase this you will have less insurance payout cover, but your premiums will be lower. Remember you have control over how you drive and thereby can lessen the risk that you will become liable for the excess amount. A win win on both sides.