Nowadays courier service is a part of our life. The use of courier service increases day by day. If you are a courier and use your car to deliver items including food, it is very important to have the right level of protection. Even if you have standard car insurance, driving without proper courier insurance can invalidate your policy. To make sure you get the cover you need, here’s what to consider. In this post, you can know about courier car insurance details.
What is courier car insurance?
It is a type of insurance designed for drivers who use their car to deliver items such as parcels or takeaway food. Policies take into account the increased number of miles you are likely to have and the risk of more accidents due to it.
Do I need courier insurance for my car?
In short, yes if you are transporting things you own and have multiple deliveries in exchange for payment, your car will need courier insurance.
Without proper insurance, you are less likely to be compensated for any damage caused by the theft of your car, other person’s property, or the product you are supplying.
Regardless of whether you use your car to deliver goods on a full-time or part-time basis, you will still need a courier cover to ensure you are adequately protected.
What does the courier car insurance include?
What is included in your policy will depend on the terms set by your insurer. Like other types of car or van insurance, you will be able to choose from three levels of cover:
- Third-party only – It is important to know that the third party does not only compensate for the damage to your own car or property.
- Third-party, fire, and theft – Only provide cover to third parties and compensate if your car is damaged in a fire.
- Comprehensive – This includes third party, fire, and theft cover and will pay to fix your car even if it is your fault, even in the event of an accident.
Does the courier car insurance cover the items by delivering?
If your courier car insurance includes freight products for rent or reward, the items you carry should be insured in accordance with the terms of your policy. It can be easily attached if it is not worth checking with your insurer.
Rental and rewards insurance is a type of product-in-transit policy that covers the task of providing you with a myriad of jobs, especially as a courier. It compensates for loss, theft, or material damage while you are out and about.
Read More: Details of Courier Service Insurance
Keep in mind that this isn’t exactly the same as Holga insurance, which is the goal of long-distance lorry drivers, but it’s easy to confuse the two so if in doubt ask your insurer for advice.
How much is the courier car insurance?
The Premiums of courier car insurance depend on a number of different factors, It’s given below:
- Your location: Driving in busy, built-up areas can raise premiums because insurance customers perceive a greater risk of accidents than in quiet, rural areas.
- The types of goods: Carrying high-value items can probably increase the cost of the cover.
- The number of miles: Covering more miles increases the chances of an accident, resulting in higher premiums.
- The type of car: Larger or more powerful cars usually cost more to insure because they can be expensive to repair or are considered desirable by thieves.
Undoubtedly the cost will become an important part of the courier car insurance you have chosen but it is very important to consider the whole policy, not just the price. Cheap policies can tick the box to be affordable but most of them can come without restrictions or discounts. This means you need to add additional features to a basic policy to provide adequate protection to maximize costs. On the other hand, pricier policies can already include everything you need and represent a better value for money.