If you are a courier or are looking to be, there are different types out there and it is important that you know so you can get the right commercial vehicle insurance or courier insurance in place.
What insurance do you need to be a courier?
Couriers can deliver a multitude of goods including transporting parcels, important medical supplies, and much bigger shipments. It is important to know that each type of courier has particular risks attached to them especially with multi-drop couriers. It is legally required to have adequate insurance in place in case of any eventuality, not only for yourself but for other road users too, including vehicles, property, and people.
Other types of delivery that you will need the right insurance in place for deliveries such as takeaway, haulage, and taxi drivers, which although they pose different types of risk, still need to be covered. These types of delivery will require a different type of insurance, that is why it is important that you get an insurance policy tailored to you to make sure you are fully covered.
When getting the right insurance policy for your needs you not only have to cover for your vehicle and third-party but your insurance policy should cover the goods that you are transporting too. Furthermore, if you are a business owner with multiple employees you need to make sure you have Employers’ Liability Insurance. It is also good to bear in mind that if your business has less than 5 vehicles in their fleet that you will need to cover each vehicle individually, however, if you have more than 5 vehicles you are likely to get a better deal by combining insurances.