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Courier Insurance in Ireland

by insight-social | 20 September, 2023 | | 0 comments

The Essential Guide to Courier Insurance in Ireland

Are you considering a career as a courier in Ireland? Whether you’re already in the business or just starting out, one crucial aspect you can’t afford to overlook is insurance. Courier insurance is a must-have to protect yourself, your business, and your clients. In this blog, the Essential Guide to Courier Insurance in Ireland, we look at the importance of having the correct insurance, the types of courier cover available, and the cost of delivery insurance in Ireland.

Why Do Couriers Need Insurance?

Working as a courier can be challenging, unpredictable road conditions, often caused by unpredictable Irish weather. More time spent on the road means more potential for accidents or theft. This is why you need courier insurance! It provides essential cover to protect you and your business from unforeseen circumstances, giving you peace of mind so you can focus on what matters most, your business.

And here’s some of the reasons why it’s so important:

Protecting Your Business Assets: Courier insurance safeguards your vehicles, goods, and equipment. In case of damage or theft, not having adequate insurance to financially protect your business when unexpected events occur, could be the difference between your business remaining operational or not.

Meeting Legal Requirements: In Ireland, it’s a legal requirement to have insurance when operating a vehicle on the road. Failing to have the right insurance can lead to hefty fines or even a driving ban.

Gaining Client Trust: Having comprehensive courier insurance can be a selling point for potential clients. It shows that you take your responsibilities seriously and are prepared for any eventuality.

Our Courier Cover Explained

Now that we understand the importance of courier insurance. Let’s look at the type of cover we have available for you here at Insight:

Step Back No Claims Bonus Protection: This cover ensures that your no claims bonus only steps back two years. In the event of a claim this will help negate the impact of the increase in your premium.

Replacement Vehicle: If your vehicle is temporarily out of commission due to an accident or breakdown, this cover can provide you with a replacement vehicle, helping you stay on track with your deliveries.

Open driving: Ages 25 – 70 all drivers must hold a full licence for a minimum of 12 months.

Breakdown cover: Included (on the Island of Ireland only).

Glass breakage: cover for broken or damaged windscreens and the bodywork of your vehicle as a result of the glass breaking, (max limit €500 if replaced or repaired by our approved repairer or max limit of €250 if replaced or repaired by another repairer).

Fire Brigade Charges: If your vehicle is involved in a fire incident, this cover can assist with the costs, up to €1,270.

Third party trailer: Covered while attached to the vehicle, automatically covered by the policy.

Other Covers to Consider

Depending on the nature of your courier business, you may also need to consider additional covers such as:

Public Liability Insurance. This cover can protect you if you accidentally damage a client’s property or cause injury while making a delivery.

Carriers Liability Insurance. This covers the goods carried in transit in the event of an accident if such goods are damaged. There are different levels of cover for this, and we will happily discuss each one with you.

Employers Liability Insurance. This cover provides protection if any of your employees injure themselves or a member of the public during the course of their day-to-day duties.

The Importance of Courier Insurance for Businesses Relying on Couriers

It’s not just couriers who should recognise the significance of courier insurance. Businesses that rely on courier services should also prioritise understanding this insurance. Why? Because it directly impacts their operations and peace of mind.

When businesses entrust their products or goods to couriers, they expect a reliable and secure delivery process. Courier insurance ensures that, even in the face of unforeseen events, deliveries are protected. By insisting on couriers with proper insurance coverage, businesses safeguard their own interests, ensuring their products reach customers intact and on time. This commitment to safety and reliability enhances customer trust and ultimately boosts the reputation and success of the businesses relying on courier services.

Cost of Delivery Insurance in Ireland

The cost of courier insurance in Ireland, like all insurance, can vary depending on several factors, including your location, the type of goods you transport, the value of your vehicle, and your claims history/no claims bonus. To get the quote that is best suited to your specific needs (and to save yourself a lot of time and effort), try reaching out to an insurance broker. Brokers not only have a deep understanding of the market, but they also have full access to the market and all the available products on it. They know who and what questions to ask, but most importantly they work for you, not the insurance companies!  Meaning, they always have your best interests in mind. And as it happens, we know a guy!

So, if you are just starting out as a courier or are already established in the field, having the correct insurance is non-negotiable. It protects your business, clients, and peace of mind. Reach out to our courier insurance expert Owen Crosbie to get a customised quote and ensure that you have the cover you need for the price you want (like a good courier, Owen always delivers). One Call Sorts it All!

We do offer competitive comprehensive cover, but we also understand that every courier business is unique, so, don’t leave it to chance – protect your deliveries with reliable courier insurance.