If your business provides a delivery service that supplies customers with their goods on a multi-drop basis, you will need business van insurance. Every business and vehicle are different and as a result, so are the premium costs. There are many suppliers who can provide business van insurance, but our team at Commercial Vehicle Direct will ensure you get van insurance for business use and your individual needs.

Courier Insurance

If you are transporting multiple goods for multiple paying customers in one journey, you will need courier insurance. Regular car or van insurance won’t cover these circumstances because as a courier you’re using your vehicle to make a living and regularly delivering goods for paying customers.

Is Courier Insurance Cheap?

Couriers can be perceived as being a higher risk on the roads simply because they‘re driving more frequently than most motorists and are therefore statistically more likely to be involved in an incident.

The minimum cover you can get as a courier is third-party, which protects others that may get caught up in an incident. This is usually the cheapest van insurance you can get, but it does mean you aren’t covered for as much.

What other business van insurance do you need?

If you own a courier business, it is a legal requirement to have employers’ liability insurance too, available through our sister trading style Brightside. Employers’ liability insurance protects your business against any compensation that may need to be paid in the event of injury or a work-related illness. For example, if one of your couriers sustains an injury whilst working, they may claim compensation. Having employers’ liability insurance ensures that any compensation paid out to the courier will be covered.

You will also need small business van insurance to protect your business from unforeseen circumstances that may force you to park up your catering van for a little while.