If you’re wondering whether courier insurance covers the contents of your vehicle, the answer depends on the type of insurance policy and level of cover you have. If you opt for carriage of goods for hire and reward, then your policy should cover the items you’re delivering. However, if you don’t have this cover, the items may not be insured, leaving you responsible for any damage or theft.
To ensure that you’re reimbursed for the costs of lost merchandise in the event of an accident involving the courier vehicle, it’s important to carefully review your policy details and include the appropriate cover. Our agents will be able to connect you with specialist brokers who will talk you through what the insurers offer.
If you’re carrying tools and materials that belong to you and are used for work purposes, you’ll need a type of insurance called carriage of own goods. This may not be necessary if you work solely as a courier, but it’s worth considering if you have a second job and keep equipment in your van. For example, if you’re a builder and use your van to transport tools, it’s worth speaking to your insurer about covering these items as well.
If you only need to insure the good you carry and not the vehicle, then you should consider goods in transit insurance.