Courier drivers jobs and the correct insurance policy is absolutely paramount not only for your protection in the event of any problems but also your customers.
If you have not decided whether to become a courier driver and just want to try it out then using a firm like citysprint might be an option. You will get your insurance included with your rental and this will save you from committing to anything. Just make sure you check the small print first.
When you have decided that you do need to take on an insurance policy then please, please, make sure you have checked all your options, exactly what you need and what you will be paying for. I have listed a few tips for you to have a look at.
Just having business use on your policy is not enough to be able to carry out deliveries as a courier. You need to start a new policy or amend an existing one to include ‘carriage of goods for hire and reward.’
By doing this you will be able to get work subbing for other companies. This insurance also protects you from any other problems you might face if anything happens to the goods you are carrying.
“Goods in transit” cover is very important as this will ensure any damage or loss to items you are carrying are covered.
You must read and re-read any insurance documents you are going to sign. It is very, very important that your insurance policy provides all the cover you need.
Bear in mind the “goods in transit” section exclusions can be longer than the rest of the policy. Double check this as there could be some items on that list that you really do need to be covered for. Another point to look out for with “goods in transit” is that some policies will only cover the goods when they are in your vehicle not whilst you’re walking across the road or taking them into an office.
You should have public liability insurance and this, for a smaller fee, is usually added in with goods in transit. This type of insurance will cover you against any injury or damage to people or property.
You must, I know I keep saying this, check this part of your insurance policy because as with anything in life there have been occasions when people thought they were insured and then something happens and they turn out not to be!
Do your research and bear in mind if the deal seems to cheap or too good then it probably will be and could come back to haunt you…. Strong words but necessary.