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We have detailed below some of the common misconceptions, errors and misunderstandings that can occur within courier, haulage and furniture removals
COURIER INSURANCE:
Tonnage rates based on weight - CHEAP POLICIES WITH NO RISK:
Some cheap goods in transit policies may state a £10,000 limit but will actually have cover based on "£15 per kilo" or "£30 per tonne". Be wary of these 'weight' rated policies as your cover is neglible.
Example - 4.5 kilo package valued at £10,000 (for example: a television or computer) |
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Cheap GiT company using 'weight' rates at £15 per kilo |
OUR Goods in Transit Direct Cover |
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| Payout before excess | £67.50 (4.5 * £15) |
£10,000 |
| Shortfall YOU could be liable for... | £9,932.50 |
£0! |
100% all risks:
- make sure that the cover you have is ALL risks i.e. theft, loss, breakages and damages.
Theft attractive items:
Very important if you are a general courier who could carry anything. Such items are mobiles, iPods, computer parts, etc.
Unwitting items cover:
Some companies offer something called 'unwitting items' or goods taken 'unwittingly'. In our experience we have found this to be a bit of a devious selling point.
For example, if you are a courier who has to deliver a printer and have this 'unwitting items' condition on your policy, you will probably find that your invoice, or even, the box itself, will state exactly what you are carrying and if it is a theft attractive item and a claim is made, this may well be voided and you yourself could be made liable.
- Be assured our goods in transit cover is ALL RISKS and includes THEFT ATTACTIVE ITEMS.
VAN INSURANCE:
Correct Useage:
When obtaining quotes for your commercial vehicle insurance make sure that you have the correct useage. Your policy will need to state courier useage, hire and reward and/or haulage.
Just because you have a van doesn't mean you need basic van insurance. Without the correct useage on the policy, you will not be insured correctly and any claim may be classed as void.
The police now pull over van drivers to check that they are insured correctly under the useage. If you are a courier and don't have the correct useage cover, you may end up with an IN10 (i.e. driving without the correct insurance) PLUS six points on your licence PLUS a fine. CORRECT USEAGE DOES NOT MEAN BUSINESS USE!!!!
For more information please check out our Advice on van insurance page
Coversure Midlands Ltd t/as Coversure Insurance Services is authorised and regulated by the Financial Services Authority.
Ref: 308065. Registered Address : 93 New Road, Rubery, Birmingham, B45 9JR. Registered in England No: 4981212. FOR FURTHER DETAILS OF COVERSURE RUBERY, PLEASE VISIT OUR MAIN WESBITE: www.coversure.co.uk/rubery