If you’re looking forcourier van insurance, you may need some help choosing it. Courier insurance is a necessity for businesses in that realm and here are some top tips to get you the right coverage at the right time.
1. Insure Your Van Even If It’s Not Being Driven
It’s important to realize the government has been cracking down on vans that are not insured, even if they’re not driven. There are fines in place, so if you don’t want the van any longer, you should try to sell it, or you need to get correct coverage, since the fine can easily run into hundreds of pounds.
2. Only Get The Coverage You Need
Many insurance companies are going to persuade you to have more coverage than you need, so they can make more money. This can be avoided if you look at the options they have and think through the situations in which you’d need to utilise them. If you find you don’t need full coverage, for instance, and just want liability insurance, then don’t give in to sales tactics and only get what you need.
3. Be Sure You Have Tools For Evidence Collection
When you get into an accident, to make a claim you’re going to need proof that it was not your fault, in most cases. You should have a camera in your vehicle, or a camera phone. After an accident, you’re going to need to show pictures of the damage, and have receipts that show the company what the damage will cost.
4. Make Claims Right Away
Do not wait too long after you have a problem to make aninsurance claim. Get the police reports, medical bills, and everything else that will serve as evidence in place to give to the insurance company. Always make it a point to do this as soon as you can, even if you have to get help because you’ve been in hospital. The quicker you can do this, the faster they can approve your claim so you can claim back what you deserve.
5. Work With The Insurance Company When You Have Late Bills
Sometimes you may not have the ability to pay your bill and think it’s okay to just wait. Don’t do so, because that may result in your coverage being ended. Instead, you can work out a payment plan and make it clear you’re willing to work with the insurance company to get your bills paid off. Hiding out can end, not only in your coverage getting cancelled, but also harming your credit score.
You need to get courier van insurance if you’re a driver and make money through deliveries. This way, if something were to happen – such as an accident – it will be covered. Never drive without insurance because it’s not legal to do so in most places.
Any questions? Please don’t hesitate to contact one of our team.