As A Courier You Need To Be Certain You Have Sufficient Insurance
One of the side effects of Covid-19 has been that more and more people are shopping from home. Just look at the increase in turnover at Amazon, and that tells you all you need to know.
Of course, more people have been shopping from home for the simple reason that they don’t want to go out and mix with lots of other people in stores on the shopping centre, and that is understandable. However, a lot of those same people who hardly ever bought anything online have now found that it saves driving and trying to find somewhere to park. Then there is the problem of walking from store to store trying to find the item that you want and when you do, how do you know whether or not it might be on special offer at another store in the next town?
When you shop online there is no hassle of travelling and walking because you never leave the comfort of your armchair. Log on to Amazon and you will also see all the people selling the item that you want and the different prices they are charging. All you then have to do is to make your selection and pay for it with your card or PayPal. If you are on Amazon Prime, it will be delivered tomorrow. It may be delivered tomorrow even if you don’t have Prime. Either way, it will be with you in two or three days.
Of course, all of this increase in online shopping means that there has been a corresponding increase in the number of couriers required to deliver all those extra goods. Quite a number of these extra couriers are people who have lost their jobs as the result of Covid-19 and are simply using their own family cars for their new-found work. Many others have bought a van.
One of the most important things when you are a courier is to ensure that you have the right insurance. Obviously, you need insurance, but there is some confusion for many people about the difference between courier insurance and goods delivery insurance, more commonly known as goods in transit insurance.
As a courier, you are of course legally required to have insurance cover for any damage that you might do to others while working on the roads. However, effective courier insurance provides cover for compensation due to your Customers for losing or damaging their goods whist in your custody or control.
This is why we thoroughly recommend effective courier insurance at The Insurance Broker and we can help to find the best deal for you. Obviously, insurance for your van or car is a legal requirement but the types of courier insurance can vary considerably. As a courier, you never know from one day to the next what you will be delivering, unless, of course, you work for a single supplier. But if you work for Amazon, it could be anything.
You are, of course, liable for the goods that you are delivering while they are in your possession. This is why you need goods delivery insurance/goods in transit insurance. Suppose someone steals your van while you are making a delivery and makes off with goods worth £5,000? You are responsible for those goods, and your employer, or the company for which you work, is going to want compensation.
Even if your van is not stolen but you are simply involved in an accident and the goods get damaged, you are still responsible for them and liable to pay compensation.
Talk to us at The Insurance Broker and we can work out the type and amount of cover that you need and find the right policy at the best price.