If you are looking to become a courier it is important that you have the right cover in place to ensure you don’t end up facing future claims.
Couriers face a unique set of risks compared to other road users which makes it so important to have the right level of cover in place. Whether you work as a freelance courier or are contracted to do so, regular road protection isn’t sufficient enough to keep you covered. Due to the amount of hours that you are likely to spend on the road not to mention the goods that you are transporting which could make you an easy target for suspecting thieves. With these additional risks you will need to get a policy that is tailored to protect not only your vehicle but also against theft of goods, damage and loss.
Get the right deal for you
When it comes to getting the best deal on your courier insurance there are a few ways you can make sure of this.
Don’t get a bigger van than you actually need
Bigger and more powerful vans are not only more expensive to run than smaller ones but it can also put you out of pocket when it comes to insurance too. Try to aim to get the right size for you – bigger is not always better in this case.
Increase your excess
To save money upfront, increasing your excess is always a good shout, however, it can be risky if you do need to make a claim. If you want to increase your excess just be aware that you will need to pay this out later if you want to make a claim. Only put down what you can afford to avoid being overstretched for the month.
Keep your vehicle secure
Make your vehicle more secure and park it in a safe, and if possible, a locked garage. Vehicles that are parked on the road are more likely to be broken into so it is important to avoid this where possible and let your insurance know.
Choose the right level of cover
Like other motor insurances there are three different levels of insurance including:
- Third Party Only
- Third Party, Fire and Theft
Whilst going to the lowest cover, third party only, will save you money in the short term, however it will mean that you are only covered for third party damage and injury and not personal damage or injury. This could cost you more money in the future if you were to have an accident.