November 29, 2010

How To Get Auto Insurance Online For Commercial Courier Cars

Finding auto insurance online to cover courier cars isn't difficult. All you need to do is search the phrase 'courier insurance companies' on your preferred search engine and you'll get a couple hundred thousand site options. These websites will include various articles explaining the ins and outs of insurance designed to protect businesses utilizing courier cars, as well as links to companies providing this type of specialized insurance coverage.

Many of the well-known names in the industry are represented, as many of their auto insurance online businesses offer this type of coverage. You can also find comparison sites that can give you the names of specific companies with whom they are affiliated that sell insurance products to cover courier cars. From there it's just a matter of finding a company that offers a policy that fits your particular needs.

Simply put, courier insurance is protection for those who deliver goods in exchange for a fee. This could include packages, mail for home delivery, documents or medical and health care supplies. The coverage could apply to just one person and vehicle or to a fleet of vehicles and many people.

Finding auto insurance online has become the trend with statistics showing that most vehicle insurance policies sold are initiated online and many are completely taken care of this way. Getting coverage for courier cars is no different and there are literally thousands of these policies available, each one being slightly different.

Obtaining appropriate courier car coverage is actually a process of getting two different policies. One covers the vehicle and the driver, similar to normal auto insurance, while the other is meant to cover the goods within the vehicle that are being delivered. These items need to be specifically covered against loss, damage and theft.

While it's possible to get two separate policies from two different insurers, buying both policies from the same carrier should prove to be less expensive, require less paperwork and be easier to deal with in the event that a claim has to be filed. Keep in mind that the more valuable the cargo you're carrying, the more insurance you'll need. Also, the nature of the deliverables should be a consideration. Carrying fragile medical or health supplies, for example, will require a different amount of coverage than the simple delivery of documents.

A policy should be customized to the specific business, the types of deliveries made, the average miles traveled and whether most driving is done locally or over long distances. If an employee uses his own personal vehicle the coverage will be different than deliveries using a company-owned car, van or truck. Policies are available for every contingency.