Van Courier Insurance

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Courier Van Insurance is a legal Requirement in the UK

Courier Van Insurance is required by UK law for anyone who uses their van to transport a third party’s property in exchange for payment for their services. This can include the hauling of furniture, food and even paperwork.

What level of courier insurance is best?

In accordance with UK law Third Party coverage is the minimal amount necessary to be legal on the road. Unfortunately the goods in transit are not financially protected with this minimal coverage and the courier could lose their business and be sued if the goods are damaged and the owner not immediately reimbursed.

  • To cover the good in transit a comprehensive insurance policy is necessary.

What is Goods in Transit?

Goods in Transit are any item or items not owned by the courier, but are present in the van so they can be transported from one location to another for payment. This type of protection is only valid when the van is in motion. If damage to the goods occurs at the depot, the policy does not cover the repairs or replacement of them.

Is it a legal requirement in the UK to have Good in Transit insurance?

  • Good in Transit Insurance is not a legal requirement in the UK at this time. 
  • Under UK law the courier is financially responsible for third party goods they agree to transport. If the goods are lost, stolen or damaged when in the possession of the courier, they are responsible for reimbursing the client. 
  • Without Goods in Transit Insurance the reimbursement comes out of the pocket of the courier. Because of that many clients require a courier to have Goods in Transit Insurance. 
  • Payloads replacement costs vary, but can reach £25,000 or more.

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​What other types of coverage should a courier have?

Public Liability Insurance

  • This is protection for any owner of a courier business who has employees. This protection covers the legal and medical costs if an employee is hurt when at work.

Employee Liability Insurance

  • Because couriers do not decide on their destination, their clients do, coverage in the European Union is recommended. This makes it possible to deliver the goods to a European address and still be insured.
  • Most policies will cover the van for up to 30 consecutive days for travel in Europe.

Courier Van Insurance does include what is standard for a vehicle on the roads in the UK in reference to accidents. Because the courier is transporting third party property, that too needs financial protection. Without this added protection a courier could find themselves deeply in debt and out of business even if the damaged or lost property is not their fault.

van courier insurance

Why Compare Costs

Van courier insurance can work out expensive. Whilst it may be expensive you still do not want to overpay. This is where comparative websites can help. By posting your requirements to multiple brokers you will receive selection of quotes by completing one simple for. Start comparing the costs of van courier insurance by selecting the quote button

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Protect your Courier Business today. Quick quotes over 20 insurers.