Question 1

Van Insurance

Accepted Answer

If you are a self-employed courier driver you'll need an insurance policy that covers the carriage of Goods for Hire and Reward, including multi-drop work.  If you do not have the right level of cover you could find yourself uninsured in the event of a claim. We'll search our extensive panel of providers to find you a policy that suits both your needs and your budget. If you are a first time courier we can often get great discounts - we'll consider a No Claims Bonus earned on other vehicles and claim-free driving in previous courier employment.  For a no obligation review of your existing cover or a new quote, call us on 0345 340 2111 or complete our quick online enquiry form and we'll call you back.

Question 2

Fleet Insurance

Accepted Answer

If you drive four or more vehicles, then a Motor Fleet Policy could be a better option for you.    A fleet policy could save you money and cuts down on administration - you'll have one common renewal date for all of your vehicles, leaving you with more time to run your business.    Fleet insurance is rated differently to individual courier insurance policies. The insurer will price your policy based on the claims history of your business.    You'll find a wide range of vehicles can be covered and we can normally find insurance for drivers who aren't suited to standard single vehicle products.    Having a fleet insurance policy can save you time and money and we have an extensive panel of fleet insurers who can search the market on your behalf.

Question 3

Goods in Transit

Accepted Answer

Our Goods in Transit is arranged via a panel of leading insurers and the policies we offer provide a wide range of cover, which includes:    European cover Contingency cover for your subcontractors All risks cover High risk and theft attractable goods cover Extremely competitive rates An excellent claims service Instant documentation   We can offer cover levels from £10,000 per vehicle, with both single-vehicle or multi-vehicle cover available. You'll also be able to add optional personal accident and illness cover or commercial legal expenses cover.

Question 4

Courier Liability

Accepted Answer

As a courier, liability cover is extremely important - as soon as you step outside your vehicle your motor insurance won't provide any protection for you whilst carrying out your duties.    We can arrange cover to protect you for events such as accidentally injuring a member of the public or damaging someone's property.    Features of our Liability Cover include: £5,000,000 public liability cover Optional £10,000,000 employers liability cover Single or multi-vehicle cover European cover available

Question 5

Excess Protection

Accepted Answer

Excess protection works alongside your motor insurance policy and will allow you to claim back the amount of your excess you have to pay in the event of a claim (the amount you can claim will depend on the pre-agreed limit selected).    You can select one of three levels of cover under the excess protection policy we offer £300, £500 or £1,000.   If you ever need to claim on your motor insurance, you'll pay your excess as normal but can then claim it back through your excess protection policy.

Question 6

Breakdown Cover

Accepted Answer

To ensure you don't get stranded when you're on the road we can arrange courier breakdown cover.    Our breakdown cover provides full nationwide recovery. If your vehicle can't be reapired at the roadside our policy will either take you to the nearest garage, to your onwards destination or back to your home address - it's up to you.    Our breakdown product includes: Nationwide recovery Roadside assistance Assistance at your home address Network of approved recovery companies Optional European cover Mis-fuelling cover