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Finding the Right Delivery Van Insurance for Your Business Needs

By Darragh Timlin on November 24th, 2023

For businesses that rely on delivery vans and trucks to transport goods, having the proper insurance coverage is crucial. The right commercial goods in transit insurance can protect your business from significant financial losses if your delivery vans are involved in an accident or are damaged or stolen.

With so many options, finding a policy tailored for your unique risks and needs may seem daunting. However, by understanding the key factors to consider and working with an experienced insurance provider, you can secure optimal insurance cover for your delivery vehicles.

Assess Your Risk Profile

The amount of risk associated with your vehicles will impact your insurance rates and coverage needs. Important considerations include:

  • The number of vehicles you need to insure: More vans mean higher premiums but also higher liability if multiple vehicles are involved in claims.
  • The types of vans: Refrigerated vans and other specialty ones often cost more to insure than standard vans.
  • Your delivery locations: Regular long hauls or deliveries in high crime areas can increase risk.
  • Your drivers: Screen drivers thoroughly and implement ongoing safe driving training to minimise accidents.
  • The value of your cargo: High value or fragile goods may require extra insurance protection.

By analysing your unique risk factors, you can determine appropriate coverage limits and deductibles.

Compare Quotes for Delivery Van Insurance

Rather than go with the first policy you find, take time to get insurance quotes from multiple specialist brokers. Outline your vehicles, drivers, routes, and cargo to get tailored premium estimates.

Look for comprehensive policies that bundle essential protections like third-party liability for injury or property damage you cause others, collision coverage for damage to your own vehicles, protection for theft, vandalism, or fire, cargo/goods in transit coverage, and loss of income if your vehicles are out of service.

Compare quotes side-by-side to find the optimal balance of premiums and coverage for your needs. Don’t choose a policy based on price alone.

Tailor Your Business Van Insurance Policy

Rather than a generic “one-size-fits-all” solution, your business van insurance policy should be tailored to your unique vehicles, drivers, cargo, routes, and risks. Work closely with your insurance broker to fine tune your policy and ask about add-ons like:

  • Higher liability limits if you frequently transport expensive cargo.
  • Roadside assistance to quickly get vehicles back on the road.
  • Extra temporary vehicle coverage for rentals if vans are in the shop.
  • Cargo refrigeration breakdown protection for chilled goods.

Customising your policy provides optimal protections.

Implement a Fleet Insurance Programme

If you operate multiple delivery vans, a fleet insurance program can simplify management and may offer a multi-vehicle discount. Fleet policies cover all drivers and vehicles under one plan with higher combined coverage limits. A good commercial vehicle insurance programme will also include

  • Streamlined claims handling for the entire fleet.
  • Coordinated vehicle servicing, maintenance, and MOTs.
  • Driver training and certification management.
  • Consolidated policy administration and renewals.

A fleet policy brings consistency and efficiency to insuring your delivery vehicles.

Choose a Specialist Commercial Vehicle Insurer

For the best results, work with an established insurer that has decades of experience with business vehicle risks, provides fast claims resolution from vehicle experts, and will survey your vehicles and operations to provide risk insights. 

A good insurer should also offer consultative support to craft optimal policies to ensure you get adequate protection.

Protect Your Delivery Fleet with Brisco Business

Here at Brisco Business, we offer goods-in-transit insurance designed around the needs of your unique business. With flexible coverage options and add-ons, we can tailor a policy to fit your vehicles, routes, cargo types, and specific risk factors.

Our dedicated insurance experts make insuring your delivery vans easy and painless. Compare quotes today to start protecting your commercial fleet.

Darragh Timlin

With over 25 years’ experience, Darragh is an expert in all things insurance. Starting his career in commercial property underwriting, Darragh has worked for a number of global insurers and is now Managing Director of Brisco Business, part of the wider Henry Seymour Group.

All articles by Darragh Timlin

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