Our top tips on some things to consider when looking for courier van insurance.
When you’re looking for courier van insurance, it’s important to make sure you get a policy that suits you. But with so many different options available, it can sometimes be difficult to know where to start.
In this post, we’ll take a look at 5 common mistakes to avoid on your search for courier insurance. We hope this will make it easier for you to find the policy that’s right for you.
1. Not shopping around
We know that comparing insurance quotes is a time-consuming activity. You may find yourself spending a lot of time filling in lots of forms or waiting in phone queues. However, it’s always a good idea to speak to different companies to make sure you get the best deal for your cover.
When your policy comes up for renewal, you should always speak to different insurers to see what they can offer too. It’s always worth keeping in mind that you may be able to get a better deal elsewhere.
2. Picking the cheapest policy
Although it may be tempting to purchase your cover for the lowest price you can find, you may not get all the protection you need to have in place. If you have an incident, this approach can even end up costing you more in the long run.
Your excess is an important part of your insurance. It determines how much you will need to pay out if you claim on your policy. For example, if you make a claim for £700 and you have an excess of £400, you will pay the first £400 of the cost and your insurance company will cover the remaining £300.
Sometimes, a policy may be cheaper because the excess is higher, so it’s always worth checking before you buy.
3. Choosing the wrong level of cover
Your level of cover determines the amount of protection you get from your insurance policy. When you’re looking for courier van insurance, you’re likely to come across terms like Third Party Only, Third Party, Fire & Theft and Fully Comprehensive.
These are the different levels of cover available to you. Unlike Third Party cover options, you and your vehicle are also protected with Fully Comprehensive insurance. However, this difference is likely to be reflected in the cost of your premium. The more protection you have, the more expensive your quote is likely to be.
At Zego, we offer you the choice of Third Party Only, Third Party, Fire & Theft or Fully Comprehensive cover, so you can get as much protection as you need to feel safe out on the road.
4. Not checking if a policy covers something important to you
Do you want to protect your No Claims Discount? Before you buy a policy, you should check what it’s going to cover you for. If a policy doesn’t include a certain type of cover as standard, you may be able to add it onto your policy.
When you purchase a policy with Zego, you can choose from our range of optional extras so that you get cover for the things that are important to you.
5. Costly admin fees
If you’re looking to change any details about your policy, such as your vehicle or address, some companies will charge you a fee. Before you purchase your courier van insurance policy, you can check with an insurer about whether they charge admin fees.
At Zego, we don’t like admin fees. That’s why we don’t charge them. We believe that you should have the freedom to make changes to your policy when it suits you.
For more information about our cover, you can visit our courier van insurance page.