Insurance is a complicated business, even for the simple purpose of insuring a small family car, let alone for the van you use to make a living. Are you certain that you have the correct insurance?<\/p>\n
After a quick Google search of \u201cwhat insurance does a courier need\u201d it becomes clear that there isn\u2019t a great deal of \u2018plain English\u2019 information about the correct insurance required for courier services. There\u2019s also a great deal of confusion and conflicting information on forums.<\/p>\n
Intentionally or unintentionally, no doubt there are a plethora of couriers carrying out their work without the correct insurance. Unfortunately they are unlikely to find out until they need to make a claim \u2013 which could not only prove expensive in repairs and compensation, but may also result in legal action.<\/p>\n
Some couriers have found that when they think they are completely covered for everything they need to be, they are actually not. An interesting example on a forum comes from a courier who travels throughout Europe. Despite going to a specialist courier insurance broker, he found he was not actually covered for the whole of Europe, as he had been lead to believe \u2013 in fact he wasn\u2019t even covered for the whole of the EU! His insurers were under the same misconception, until he raised the issue.<\/p>\n
The moral of the story is to shop around and ask lots of questions, explain exactly what your needs are \u2013 Do you deliver outside of the UK? How often? Where exactly? Do you ever carry passengers?<\/p>\n