If you are planning to use a delivery van for commercial purposes, such as delivering goods or services to customers, then having insurance is essential. This is because the van is an important asset for your business, and without it, you may not be able to operate.
Additionally, using a van for commercial purposes typically exposes you to greater risks than using a personal vehicle, and insurance can help protect your business from potential losses.
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Some reasons why you may need insurance before you buy a delivery van include:
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Legal Requirements: Depending on your location, you may be required by law to have certain types of insurance coverage for your delivery van, such as liability insurance, which is designed to protect you if you are held responsible for causing an accident while driving the van.
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Protection against Accidents: Accidents can happen at any time, and having insurance can help cover the cost of repairs or replacement of the van if it is damaged in a collision.
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Protection against Theft: Delivery vans are often targeted by thieves because they contain valuable items. Having insurance can help protect you from financial losses if your van is stolen.}
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Protection against Liability: If you are involved in an accident that causes injury or property damage to others, you may be held liable for damages. Insurance can help protect you from financial losses resulting from liability claims.
What type of Insurance do you need
1
Motor Vehicle
The correct Motor Vehicle insurance is essential for courier drivers. If you do not have the correct insurance in place, insurance companies will not pay out your claim. Courier companies will not take you on as a driver.
2
Marine Transit/ Marine Cargo
Goods in transit insurance is a type of insurance that provides coverage for goods or merchandise that are being transported from one place to another. This insurance is designed to protect the owner or sender of the goods from any loss or damages that may occur during transportation.
3
Public Liability
Public liability insurance is an integral policy for courier vehicles. If anybody is injured or has their property damaged in relation to your courier business, you’re protected.
4
Personal Accident
If you become sick and injured, you may not be able to continue driving. Personal accident or sickness insurance protects you from any loss of income while you’re recovering.
Courier Insurance
GSK Courier Insurance
GSK has partnered with several of Australia’s leading insurers to be able to offer an affordable and customised insurance package for courier drivers. GSK has supported couriers for over 30 years and provides a competitive pay-by-the-month option. Visit our website for more info on what GSK does.
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