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A guide to courier insurance

Courier insurance is a specialised type of insurance meant for vehicles which are in the courier business. This special cover offers a variety of coverage which is not normally offered by normal car insurance. If you are using a car for courier business, then it can be covered under courier insurance. If you are running a big business with many cars, then you would need courier fleet insurance.

What is covered?

Hire and haulage cover When you are transporting goods for your clients from one point to another, you need to have haulage cover. This insurance cover will not however cover your personal goods. If you need to include your own goods, then they will be covered under a different policy known as a Goods in Transit Liability policy. The risks which are covered by your GIT policy include losses due to theft or accidental damage. Public liability Your courier insurance will also have a public liability section. This will protect you and your business from third party claims, they may get injured or their property can be accidentally damaged as a result of your courier business whether within your business premises or not. The courier insurance policy just like any other insurance policy will include third party, fire and theft as well as comprehensive cover.

Word of advice

It is always important to understand your policy. You need to know what is covered and what is excluded. It is therefore a good idea to make sure that you read your policy carefully and take note of all the exclusions. Normally, your courier insurance will exclude livestock cover, hazardous goods and products. It also does not cover you if you leave your vehicle unlocked and when you are carrying personal items like laptops and digital cameras. Shop around to get cheap courier insurance Courier insurance is normally offered by specialised insurers so you want to make sure that you get the best courier insurance at the end of the day. You must do some thorough shopping, look out for special discounts and cover which is specific to your courier business. You can save a lot of money by doing some good research before buying your insurance policy.

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