» THINGS TO WATCH OUT FOR
We have detailed below some of the common misconceptions, errors and misunderstandings that can occur within courier, haulage and furniture removals
COURIER INSURANCE:
100% all risks:
- make sure that the cover you have is ALL risks i.e. theft, loss,
breakages and damages.
Theft attractive items:
Very important if you are a general courier who could carry anything. Such
items are mobiles, iPods, computer parts, etc.
Unwitting Items Cover:
Some companies offer something called 'unwitting items' or goods taken 'unwittingly'.
In our experience we have found this to be a bit of a devious selling point.
For example, if you are a courier who has to deliver a printer and have
this 'unwitting items' condition on your policy, you will probably find
that your invoice, or even, the box itself, will state exactly what you
are carrying and if it is a theft attractive item and a claim is made, this
may well be voided and you yourself could be made liable.
- Be assured our goods in transit cover is ALL RISKS and includes
THEFT ATTACTIVE ITEMS.
VAN INSURANCE:
Correct Useage:
When obtaining quotes for your commercial vehicle insurance make
sure that you have the correct useage. Your policy will need to state courier
useage, hire and reward and/or haulage.
Just because you have a van doesn't mean you need basic van insurance. Without the correct useage on the policy, you will not be insured correctly and any claim may be classed as void.
The police now pull over van drivers to check that they are insured correctly under the useage. If you are a courier and don't have the correct useage cover, you may end up with an IN10 (i.e. driving without the correct insurance PLUS six points on your licence)
For more information please check out our Advice
on Van Insurance page