Beware when taking quotations provided by online insurance sites.
Instead of including couriers in the occupation list you select from and then telling you they don’t cover couriers, Insurers often simply don’t show it in the list at all thinking this is sufficient for you to realize they don’t insure couriers.
However, many couriers, understandably without clear guidance, select the nearest occupation, often ‘light haulage,’ resulting in them being with an Insurer who makes the distinction and won’t insure couriers.
It doesn’t need us to tell you the difficulties this could lead to in the event of a claim.
Courier motor insurance is a little different and specialist and the problem with direct sites is there is no human being intervening and providing the advice on usage, introductory or mirrored No Claims Discounts tailored to the specific individual making the enquiry.
The national courier networks are aware of this deficiency and are increasingly asking for a copy of the policy schedule which states the occupation in addition to the motor certificate.
You need to make absolutely sure that the Insurer is aware the use is for courier\express parcel delivery and is stated somewhere on their documentation so you have evidence to satisfy yourself and the network(s) you carry for.
Of course the alternative is to use Aldium a specialist broker – with real human beings!
