Running a courier service – that is any business that involves driving items for hire or ones purchased from one location to another – is one that can involve serious risk to the business owner, making the need to secure the appropriate courier insurance cover like that available at www.staveleyhead.com/courier/ all too clear. Whether it is the loss of, or damage to, goods while in transit, or damage or loss of the vehicle itself; if you do not have courier insurance cover, you will have to meet these costs yourself. However, although it is absolutely vital to get this cover, there are options for businesses within this, and it is useful to have some tips to avoid paying more than you need to.
First off, you will need to consider what level of cover you want, as there are different degrees of courier insurance coverage. The main options available are third party fire and theft, and comprehensive. The first of these covers the vehicle itself – but not any contents –in the event of damage caused by fire or theft, and also covers damage to another vehicle. This is unlikely to prove enough for many courier firms though, as it does not insure them in the event of any loss or damage to the actual goods they are transferring – something that can leave them vulnerable to claims from clients who have either not received goods, or received them damaged. Most courier insurance policies will be of little use to such a company unless they provide goods-in-transit cover.
There is also fully comprehensive courier insurance which, as the name suggests, provides cover against all eventualities. However this can be quite expensive, especially for start-ups. It is best to look around at the different providers offering courier insurance – such as Staveley Head insurance – and compare quotes and policies before making a decision. You should be able to negotiate an affordable policy that covers your needs.