2016-07-07

Here at Business Compare we offer the comparison of specialist courier insurance quotes. This can cover goods in transit, breakdown, legal expenses and a courtesy vehicle, but what is the most likely claim made for? Here are a few examples:

=Vehicle Accidents or Breakdowns

As a courier, the majority of your time is probably spent on the road in your van, shuttling between the depot and delivery destinations. With so much time spent behind the wheel, the likelihood of an accident or a breakdown is quite high. On older vehicles, breakdowns can become a regular occurrence.

That's where specialist courier insurance comes in. This will cover both public and employer liability should anyone get hurt, as well as provide a courtesy vehicle to ensure there is minimal downtime and loss of profitable working hours.

Theft of the Vehicle or Contents

With just a quick stop required it may feel tempting to leave the van running and just pop into a building momentarily, however with a van full of goods, this is a dream for opportunist thieves. If this is the case, some insurance policies may become void.

Though, it's not just lapses of judgement like this that sees courier vans stolen. Many are taken whilst locked in a car park. In order to discourage pesky criminals, fit your courier van with an anti-theft device or even a red blinking light to suggest the presence of an alarm system. And should you become a victim, make sure you're appropriately covered.

Theft or damage to the items you are delivering or equipment such as a satnav is also common. Goods in transit insurance will cover you and your staff should this happen.

Personal or Third Party Injury

However careful you are, sometimes an accident and injury is unavoidable. That's why it's important to have a plan of action in place should this occur. If your vehicle sheds its load, you drop a box or receive a strain injury, loss of profits is inevitable.

Public liability and legal cover will ensure that, should your company be taken to court for an injury compensation claim, you will incur minimal disruption to your business.

Compare Courier Insurance Quotes Online

We hope you never have to make a claim on an insurance policy, but it's always important to be prepared for every eventuality. To ensure you get the best deal possible on your courier insurance, compare business cover quotes and learn more online here..