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.
Cover while driving in the European Union. Restrictions do apply, 30 days cover is typically offered as inclusive depending on the terms and conditions of the policy. However there are some insurers who offer 90 days cover as inclusive in their comprehensive policies.
By restricting the transportation of dangerous goods to one vehicle means that the vehicle can be insured appropriately - While the remainder of the fleet can be insured at a lower premium. If this type of scenario applies to your business it is advisable to speak with the courier van insurance company to discuss the options available.
Restriction on the nature and value of the goods will apply. Goods which are classed as hazardous or dangerous will incur higher insurance premiums due to the associated risks. You may also be required to have additional Public Liability cover. Speak with the insurers for advice and guidance as to the different options of Goods in Transit cover.
Replacement for vehicles which are under six months old. Restrictions will apply to gross vehicle weight, exact details of this offer will be found on the terms and conditions of the policy.
All risks options are not generally included with a Goods In Transit policy they are counted as optional extras for which additional costs will be incurred due to the higher amount of cover they provide. This type of option usually comes with strict restrictions and exemptions. It is therefore wise to discuss exactly what is and isn't covered and read the schedule and policy very carefully when it arrives.
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.
Also be prepared to be stopped and searched at customs. You are required to open the back doors of the transit during Passport Control when entering the UK; this is being carried out to help reduce the number of illegal persons entering the UK. Customs and Excise may also pull you over and carry out a routine search. If you have a transit which isn't white, don't be fooled into thinking you won't be stopped, Customs and Excise stop transits, vans and cars of any colour!
Cover while driving in the European Union. Restrictions do apply, 30 days cover is typically offered as inclusive depending on the terms and conditions of the policy. However there are some insurers who offer 90 days cover as inclusive in their comprehensive policies.
By restricting the transportation of dangerous goods to one vehicle means that the vehicle can be insured appropriately - While the remainder of the fleet can be insured at a lower premium. If this type of scenario applies to your business it is advisable to speak with the courier van insurance company to discuss the options available.
Restriction on the nature and value of the goods will apply. Goods which are classed as hazardous or dangerous will incur higher insurance premiums due to the associated risks. You may also be required to have additional Public Liability cover. Speak with the insurers for advice and guidance as to the different options of Goods in Transit cover.
Replacement for vehicles which are under six months old. Restrictions will apply to gross vehicle weight, exact details of this offer will be found on the terms and conditions of the policy.
All risks options are not generally included with a Goods In Transit policy they are counted as optional extras for which additional costs will be incurred due to the higher amount of cover they provide. This type of option usually comes with strict restrictions and exemptions. It is therefore wise to discuss exactly what is and isn't covered and read the schedule and policy very carefully when it arrives.
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.
Also be prepared to be stopped and searched at customs. You are required to open the back doors of the transit during Passport Control when entering the UK; this is being carried out to help reduce the number of illegal persons entering the UK. Customs and Excise may also pull you over and carry out a routine search. If you have a transit which isn't white, don't be fooled into thinking you won't be stopped, Customs and Excise stop transits, vans and cars of any colour!
About the Author:
Simon Normski is an authority in the field of Van Insurance, Visit our site for essential information on online van insurance and online insurance quotes for vans.
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