How much does courier van insurance cost?
Your courier van is probably the main source of your income, so itâs 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 youâre getting the deal that best suits your job â and more importantly your van â in the event youâre 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 arenât your own (whether itâs to one destination or multiple locations) then normal business use isnât 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 peopleâs 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.
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. Thatâs 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, itâs 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 youâve been driving, and any claims youâve 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.
Couriers tend to drive larger vans, which due to their nature, are typically more expensive to insure.
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 youâre 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.
What can I expect from Adrian Fluxâs 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 youâre a self-employed courier or an individual employed courier, weâre confident that our cover will help give you the peace of mind you need while youâre working. Our commercial van insurance has been named WhatVan? Insurance Company of the Year multiple times, and as itâs reader-voted, we think this says something about the insurance we offer and our commercial van insurance team.
Adrian Fluxâs 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
