Courier fleet insurance is a specialist insurance policy so it’s important that you find an insurance company which has the right type of policy and experience to deal with the specialist needs.
When you are looking for courier fleet insurance it is important to remember that the cheapest policy is very often not the best policy – things are always cheap for a reason and a cheaper policy may not cover everything you need to be covered.
An ideal courier fleet insurance company and policy should cover all of the following details;
- 24 hour help-line for claims and breakdowns. That means 24 hours, seven days a week, you never know when you might need it.
- You need to ensure that there won’t be any language barriers on the help-line – UK call centres are definitely the way to go.
- Public liability cover is extremely important for a substantial amount of money – maybe £5m or even £10m.
- Breakdown recovery and home start should be a standard feature. Remember that time is money in business and in life.
- No claims bonuses should be available.
- Flexible payment options are very good news for many businesses – even though it means that they actually pay a little more in premiums over the course of the year.
- Uninsured recovery loss with substantial legal costs covered.
- Vehicle replacement in case of an accident for which the driver was not at fault.
- Quick service and turnaround of documentation
Whether you are looking for a new courier fleet insurance policy or renewing an existing policy it is certainly worth checking that you have everything you need and more in case of an accident, breakdown or other type of emergency. Five minutes at the start can help to save a lot of money and trouble later.
