Your courier van is probably the main source of your income, so it’s important to make sure you get the right cover at a price you can afford.
With so many insurers offering different prices for varying forms of cover, it can be hard to make sure you’re getting the deal that best suits your job – and more importantly your van – in the event you’re involved in an accident or need to make a claim.
Do I need courier van insurance?
If you use your van to pick up and/or deliver goods which aren’t your own (whether it’s to one destination or multiple locations) then normal business use isn’t suitable for you, meaning you will need to purchase courier van cover.
What kind of insurance do I need as a courier?
Courier van insurance will provide you with the right cover to carry other people’s goods and materials from one place to another. If your occupation includes haulage, parcel deliveries, mail order and similar deliverance you will need courier cover.
You might also want to consider taking out goods in transit cover, which helps protect your money and business in the event your cargo is lost, stolen or damaged. Public liability can also help protect you and your business in the event someone tries to sue you for injury, property damage or illness. Find out more in our blog about the insurance you need as a courier.
Is courier van insurance expensive?
Some insurers will charge incredibly low prices, but their cover does not always protect courier drivers in every situation imaginable. That’s bad news for courier drivers who rely on their insurers to cover them under any and all circumstances that can occur when driving the length of Britain. When you rely on your van for your livelihood, it’s important that you get courier van insurance that will actually protect you when you need it.
On the other hand, you might find that you face incredibly high courier insurance premiums, which can increase business costs and reduce the amount of money you make on the road.
Which factors affect the cost of courier van insurance?
All the usual rating factors will affect your insurance premium in the same way that it would on normal commercial vehicle insurance premiums. This includes factors like your age, how long you’ve been driving, and any claims you’ve made or convictions you have on your licence.
Factors that are likely to have the biggest impact on your premiums as a courier include:
- Annual mileage
- Business radius
- How long the business has been running
- Average number of drops a day
Why is courier van insurance so expensive?
Courier vans generally spend long hours driving and can also drive long distances. This would be seen as an increased risk by insurers as it could increase your levels of fatigue, which would make you a bigger risk on the road.
Lots of couriers work in busy town and city areas doing multiple drop offs.This typically increases the risk to insurers further as it means you’re driving in stop-start traffic with a lot more drivers around you.
How can I make my cover cheaper?
There are a number of ways you can make your courier insurance cheaper, including by taking regular breaks and driving fewer miles. Find out 15 ways to save money on the cost of your van insurance in our blog.
What can I expect from Adrian Flux’s courier van insurance?
At Adrian Flux, we work slightly differently as we tailor your insurance to your needs and budget. The average annual premium at Adrian Flux currently stands at a competitive price.
Whether you’re a self-employed courier or an individual employed courier, we’re confident that our cover will help give you the peace of mind you need while you’re working. Our commercial van insurance has been named WhatVan? Insurance Company of the Year multiple times, and as it’s reader-voted, we think this says something about the insurance we offer and our commercial van insurance team.
Adrian Flux’s courier van insurance includes a plethora of benefits including:
- Up to £100,000 in free legal cover as standard
- Cover for the UK and Europe
- Public liability insurance, which can protect up to £5 million in liability fees