Just a random thought really,
I wonder how many of these private couriers (use their own cars) have declared business usage to their insurance companies? Same goes for the people who leave their cars in lay-bys to car share, I seem to remember when filling out my own insurance details that I had to declare where the car will be left at night/in the day. Makes you wonder if they would get a pay out if there was ever an accident/break in.
Yodel (who are flogging the ‘use your own car for multi-drop’ to death) insist on seeing the relevant insurance. I’m sure they (and other parcel firms) will be chuffed to bits when all their parcels get seized with the car under sec 165 for no insurance!
You refering to lifestyle couriers yodel Hermes etc will say you only need business insurance. Apparently they Hermes has had problems with some couriers that had accidents and now have to have full hire and reward insurance and about time too but there paid approximately £1 per parcel
Tarrman:
Just a random thought really,I wonder how many of these private couriers (use their own cars) have declared business usage to their insurance companies? Same goes for the people who leave their cars in lay-bys to car share, I seem to remember when filling out my own insurance details that I had to declare where the car will be left at night/in the day. Makes you wonder if they would get a pay out if there was ever an accident/break in.
With regards to car sharing, where you park it is irrelevant. They ask you where you park it normally overnight or during the day. By what you’re saying you could be uninsured by leaving it at the supermarket. What about if you leave it in a car park to go fishing? Same principle. My brother leaves his in a layby all weekend to go fishing sometimes.
Its just another question to try and up the premium for no reason, if someone stole the car they wouldn’t question why it was there any more than in any other place.
alix776:
You refering to lifestyle couriers yodel Hermes etc will say you only need business insurance. Apparently they Hermes has had problems with some couriers that had accidents and now have to have full hire and reward insurance and about time too but there paid approximately £1 per parcel
From this page theres a link that describes the insurance Hermes require.
Insurance
Motor insurance is required to deliver and collect parcels and/or catalogues on behalf of Hermes. Additional insurance, on a third party only basis, can be provided at a daily rate to couriers who are undertaking deliveries or collections for Hermes via a QBE scheme.
In order to provide a courier service to Hermes couriers are required to complete an insurance decision letter, if a completed letter is not returned to Hermes the courier will be automatically included in the QBE scheme and charged accordingly.
From what I was told, “you pay a bit extra and you’re covered on their insurance.”
I know of someone that does this work for Hermes and what you get paid varies by where the delivery is. For instance, deliveries to the ‘city’ (that’s Central Milton Keynes area) will get you double what some of the estates will pay.
So at Xmas, you can fill the lower paying jobs parcels into your garage while you do the premium work.
To insure my wee wheelbarrow, Ford Transit Connect, it cost me in the region of £1780 for H&R plus £100 for GIT and another £86 for public liability, that was for courier insurance but if I had insured it for light haulage (up to 5 drops) the H&R would have been 40 to 50 % less. I wonder how many H&R policies are taken out only for it to be deliberately cancelled by non payment but the ‘courier’ has had time to show the cert to the exchange site or whoever as all the ones I was on only asked to see the cert at the start of the policy and again at renewal.
Ordinary business insurance does NOT cover the vehicle for H&R, but a lot of the rate under cutting cowboys in the industry forget to tell that to the mum who has nowt to do during the day and so decide to bung a few parcels on the back seat of her Skoda
But you can’t have 2 lots of insurance on one vehicle. This is a major sticking point for many actual couriers as these idiots undercut the job
The rates would have to rise ifthedelivery people were correctly insured.I had a taxi years ago and could not compete with the folks who turned out on Saturday night with their daddies car.The police were not very keen to get involved ,maybe too much paper work for them.
I had a woman phone me asking to give her a price for urgently taking an antique sideboard 240 miles, I worked out my price, told her and she said that was much too much, was only expecting to pay about £40 !!! I suggested she contacted a local taxi company and enquire how much they would charge for taking her the same distance and then get back to me explaining how she thought I could carry her sideboard for less than the diesel would cost. Thanks to the likes of Shipley, Anyvan, CE etc etc !!
Cx isn’t the problem its the likes of Shipley and any van that do that people expect items moved on a same day basis not coloaded which is what the above sites are all about having said that some of the yellow sites vendors are just as bad. But the idiots putting silly rates in are just as bad
Same thing applies to pizza delivery.
That’s in Italy innit ? My CMR insurance wouldn’t cover me for going there 
It would but itll cost ya
Italy was excluded as I asked them too, whether it made a difference to the cost or not I don’t know.
alix776:
But you can’t have 2 lots of insurance on one vehicle.
Is wrong. You can have umpteen policies on one vehicle however you can only claim on one of them if anything happens.
raymundo:
Italy was excluded as I asked them too, whether it made a difference to the cost or not I don’t know.
Had quote on a Italian job a while back and yes it does increase your cmr cost but its horrific for a one off job btw my masters the same to insure as your connect
So why do a lot of insurance/freight/parcel companies not like Italy?
Is it because if you don’t deliver it, there will be a horses head in your bed at home when you get back?
Ken.
Basically it’s considered a high risk area for hijack and theft
Quinny:
So why do a lot of insurance/freight/parcel companies not like Italy?Is it because if you don’t deliver it, there will be a horses head in your bed at home when you get back?
Ken.
You met my wife then Ken 
Oops, sorry my love I didn’t mean it, honest
When I was a courier in London, the insurance loading was 200 to 300% for the correct hire and reward use. I remember one of my motorcycle premiums being 600 quid in the late '90s (with full NCD) and in the early '00s I paid 1300 quid for a transit van fully comp (TPO with another company was around 2.5k). Other self employed couriers I worked with had paperwork showing “business use”, but there were quite a few dodgy ones that either downgraded the cover after showing the company the paperwork or had declared their business as gardener, etc. and carried a couple of tools in the back.
If you do it all properly like I did, you’d make next to nothing. 50% of the commission cheque would disappear on fuel, insurance, repairs, etc.