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Courier van insurance is necessary If you operate a van goods delivery service 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, your vans are entrusted with the responsibility of carrying confidential and valuable goods as well, thereby making you prone to theft. Are all these factors stressing you out hugely? There is no reason to worry as taking out a courier van insurance policy will help protect against any unseen future circumstances.
Due to the great degree of risk associated with them, delivery service vehicles are usually charged exorbitant amounts of premium by most of the insurance companies today. Therefore, you have to exercise a great deal of caution when you choose a van courier insurance policy for your delivery service. It is highly recommended that you should choose a service provider that has enough experience and expertise in the field of courier insurance so that they will help guide you through the various formalities that you need to fulfill to get good deals on your premium and unlimited protection against damages as well. One of the main things that you should remember before taking out any policy is to assess your individual or business requirements. Choose the cover to the level that you require so that you don’t end up paying premium amounts that are unnecessary. On the reverse side make sure you do not under insure, leaving yourself open to claims that could cause a finical burden or cause bankruptcy.
Goods in Transit Cover – If your vans are involved in transporting goods of high value, you have to get goods in transit cover in addition to vehicle cover. In the unfortunate incident of the goods getting stolen or lost, this cover will help you stay protected and cover you for the losses that you suffer.
Employer’s liability cover – If your courier van is involved in an accident, you will be held liable to pay damages to the third party as you are the owner of the vehicle and the employer of the driver. When you get this employer’s liability cover, you will be protected from the huge financial burden that you might have otherwise be required to pay towards legal fee and compensation.
Van breakdown cover – Imagine a situation where your van suddenly loses balance and skids off the ground or breaks down abruptly in the middle of the road. Sounds scary, isn’t it? This is why it is important to consider taking out breakdown cover. The premium amounts are quite high for this kind of additional cover. However, when you don’t take them, you will have to pay a higher price and cough up a huge sum towards sorting out the financial mess that your van breakdown has created.