Low cost insurance is offered by many different insurance companies. However, low cost does not always mean that your van courier service will be adequately or legally covered. Courier vans driving on public roads in the UK have to be covered by appropriate van courier insurance; this usually means it has to include Goods In Transit cover.

By completing the online application form competitive quotes can be estimated and offered within a very short time. There are some key facts which will help you decide which insurance company is offering the best deals to suit your courier service needs:

Obtaining more than one quote will provide you with a comparison. It will then be possible to see what level of cover is being offered and what additional costs may be needed. Using an online courier insurance broker is a great way to save time. They will carry out the searches on your behalf and provide you with a number of different quotes from different insurance companies who specialise in courier van insurance. Checking to see whether the insurance company is regulated by the Financial Services Authority will help you find legitimate insurance companies who work to the FSA requirements and regulations, providing peace of mind when you chose which company to use. Comparison websites may also be a good way to begin your search for courier insurance. However, not all long established insurance companies are included on comparison sites.

No claims discounts earned on non-courier vehicles can sometimes be transfer no claims bonuses from private car policies, although automatic transfer is not guaranteed and the discounts offered may not be as high. Flexible payment options are available from most courier insurance companies to help spread the cost of the premiums.

If your courier service includes carrying goods for reward or payment you will need to have Goods in Transit included in the policy. Goods in Transit provides cover for the goods you will be carrying, however there are restrictions and limits on the value of the goods. Dangerous goods such as flammable liquids are considered to be a higher risk and will therefore cost more to insure. Collecting or delivering to places such as oil refineries is also considered to be a greater risk; this will also incur higher premiums.

Goods In Transit insurance is available for goods which you are carrying for someone else and receiving payment or reward or if you carry your own goods which need to be insured. Many customers will require you to have suitable Goods In Transit insurance and may refuse to you use your courier services unless this is in place.

In order to provide appropriate cover the insurance company will need to be informed of the type of goods you will be carrying. If you have been given an undisclosed parcel, packet or consignment it is your responsibility to inform the insurance company.

Owners of several courier vehicles may find it far more cost effective to have a fleet courier insurance. Fleet insurance can not only offer you savings on your courier insurance, it can also save you the time and worry of having numerous individual policies to remember to renew each year.

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