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.
If you have any no claims discounts make sure you tell the insurance companies when asking for a quotation. Huge savings can be made on the premiums, with some insurers offering massive no claims discounts which can reduce the cost of the insurance dramatically.
Specialist transit van insurers will also appreciate that you will carrying goods such as tools and equipment for your own work or goods on behalf of others for which you receive payment or reward. Either scenario will mean that you should also have Goods in Transit cover. This is not inclusive of any vehicle insurance it is an optional extra for those who need it.
Breakdown and roadside assistance. Restrictions will apply within the policy. Usually the gross vehicle weight is restricted to 3.5 tons. If you need to have full breakdown, roadside assistance or home-start cover it will be advisable to speak with the insurers to arrange for this to be added to the policy, there will be additional costs involved.
Having a 100% All Risks cover included within the Goods In Transit option will provide cover should the goods be stolen or damaged while they are in transit and cover should the goods be damaged which is caused by an accident while they are in transit.
Having tracking devices fitted is becoming a requirement of the terms and conditions of the insurance with many insurers as trackers can help reduce the risk of total loss claims. Check whether this is a requirement by making enquiries with the insurers or reading the terms and conditions of the policy and schedule.
Those who hop across the Channel with their transit for work or pleasure should inform the insurance company. Additional cover may be required for any goods onboard. There are restrictions as to the nature of goods which can be taken out of or brought back into the UK. Speak with the insurers before you leave to ensure you have appropriate transit van insurance cover.
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!
If you have any no claims discounts make sure you tell the insurance companies when asking for a quotation. Huge savings can be made on the premiums, with some insurers offering massive no claims discounts which can reduce the cost of the insurance dramatically.
Specialist transit van insurers will also appreciate that you will carrying goods such as tools and equipment for your own work or goods on behalf of others for which you receive payment or reward. Either scenario will mean that you should also have Goods in Transit cover. This is not inclusive of any vehicle insurance it is an optional extra for those who need it.
Breakdown and roadside assistance. Restrictions will apply within the policy. Usually the gross vehicle weight is restricted to 3.5 tons. If you need to have full breakdown, roadside assistance or home-start cover it will be advisable to speak with the insurers to arrange for this to be added to the policy, there will be additional costs involved.
Having a 100% All Risks cover included within the Goods In Transit option will provide cover should the goods be stolen or damaged while they are in transit and cover should the goods be damaged which is caused by an accident while they are in transit.
Having tracking devices fitted is becoming a requirement of the terms and conditions of the insurance with many insurers as trackers can help reduce the risk of total loss claims. Check whether this is a requirement by making enquiries with the insurers or reading the terms and conditions of the policy and schedule.
Those who hop across the Channel with their transit for work or pleasure should inform the insurance company. Additional cover may be required for any goods onboard. There are restrictions as to the nature of goods which can be taken out of or brought back into the UK. Speak with the insurers before you leave to ensure you have appropriate transit van insurance cover.
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!
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Simon Normski is an authority in the field of Van Insurance, Visit our site for essential information on online commercial van insurance and quote for commercial van insurance online .
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