A courier van is driven by someone who regularly makes short-term deliveries within a given area. This means courier van insurance is more expensive than most vehicle insurance, as it must cover people who may be in a hurry, who do a lot of driving, and who may be distracted with work issues.
There are a few ways, however, to save money on courier van insurance.
1. Hiring employees with very clean driving records is crucial for saving money on your van insurance. Do the maths. By paying a little more salary to an employee who is a proven excellent driver, you pay less insurance, and fewer accidents also mean less time and goods lost regardless of insurance coverage. It pays to hire good drivers.
2. Have your employees get a commercial drivers licence. Your insurance company can help you select the proper path to maximise your savings.
3. Install as many safety devices as are feasible in your vans: theft protection, GPS tracking, improved brakes, everything. When you replace vans in your fleet, purchase only vans that come equipped with those things you can't replace, like four-wheel drive. Also maintain your vans carefully, through the dealer if you can do it cost-effectively. This ensures both that your vans are as safe as possible, and that you have proof if the insurance company asks that you have genuinely safe equipment.
4. If you've had a great safety record for a year or two, especially if you have several vans that belong to your company, approach your insurance agent and ask about a discount. Often just to keep your business your agent will give you a break in prices.
5. Don't forget to insure your goods in transit. Not all courier van insurance covers goods as well as the vehicle, so this is a critical addition to your policy.
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