subject: When Your Business Needs Courier Insurance Coverage [print this page] Those who make a living by delivery of goods realise the importance of good insurance coverage for their vehicles. Whether you drive a van, car, truck, lorry, or motorcycle you must be properly insured with courier insurance. As your daily mileage may be high you run a higher risk of becoming involved in a vehicle collision or some other type of damages occurring to your vehicle.
Where to find adequate coverage?
A quick check on the internet can provide you with quotes from several insurers and then decide which to go with. Keep in mind you are legally required to have coverage when driving on any public roadway in the UK, plus you need to have your company vehicles fully insured in case of damage for your own financial protection and peace of mind.
When you are considered a professional driver
Many insurers realise that while you do drive your vehicles more miles per day than the average private auto, you may well be considered a professional driver due to the fact you do put in more miles over the roads. Having more experience, particularly when coupled with an excellent driving record, will get you lower rates. When you include safety equipment and extras such as air bags, anti-theft devices, and fire extinguishers, your rates can be lowered.
Check with your insurance agent
Ask your insurer what type of discounts they provide then try to comply with any and all for lower rates. Many times raising the deductible limit will lower your rate substantially. Ask if they provide cover for your private vehicles as well and you may be pleasantly surprised by their rate quote when you couple several policies into one.
Commercial courier cover is a major expenditure
Your business demands you drive many miles per day and that increases your risk of being involved in a traffic crash. Insurance providers will give business discounts when the drivers have clean records and they have not made claims for a period of time. Having courier insurance that is reasonably priced can mean the difference in keeping your rate of charge for deliveries down to competitive rates, so it pays to check around for the best quote.
Become a courier driver
Becoming a courier driver is quite easily accomplished but most employers require clean driving records because their insurance provider may either not provide coverage or may charge exorbitant prices to insure someone who has had previous accidents or other claims filed. Often local deliveries may be conducted by way of bicycle, motorcycle, or small vehicle and rates will be lower substantially. As this is not considered to be hauling of live cargo such as involved in taxi service, you will pay less even though your business may include covering many miles per day.
Experience matters
When it comes to finding an affordable courier insurance policy and provider it comes down to the fact that those who have been navigating the roadways around the UK for a long time with no accidents or claims will be afforded the best rates and most coverage. Business owners look for good drivers so it pays to be one if you want to work as a courier driver.
by: Neil Anderson
welcome to Insurances.net (https://www.insurances.net)
