Light Haulage Insurance 2017-10-03T10:48:35+00:00

Light haulage insurance

ISIS’ insurance team is here to help you find the light haulage insurance you need.

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What is light haulage insurance?

Light haulage insurance is a type of insurance that is specifically designed for people engaged in light haulage – someone who makes either a one or a limited number of delivery runs in a day, rather than one who makes many pre-arranged deliveries during a typical work day. You might have a van or lorry, typically of under 7.5 tonnes.

Cover can be flexible, but typically extends beyond a standard commercial vehicle insurance policy. Typically, you may wish to add employers liability insurance where you have drivers working for you – even if only on a casual basis. In addition, you should consider public liability insurance which protects you from claims made by a member of the public that they have been somehow injured or suffered a loss as a result of your business activity. It could be something as simple as an item falling out of the van when you open the rear door and hurting a passer by.

Goods in transit insurance is a common add-on for light truck insurance. It makes sure that the goods you actually carry are covered, if there was an accident, accidental damage or even in the case of theft. The exact terms of the cover will vary from policy to policy of course. Certain goods may not be covered. Livestock and jewellery are common exceptions, but there may be others. Always check your policy carefully, and make sure it is appropriate to any changes in your business.

There are of course many providers of light haulage insurance, and you’ll have to do your research to make sure you choose cover which suits your business needs. We have access to a range of products from a number of insurers, including specialist schemes you won’t find on the high street. Factors that should be taken into account include the make and model of your work vehicle, the volume of trade you do (specifically how many individual deliveries you make in a typical day), and the distances you regularly cover.

Are you a courier or a haulier?

Most insurers define couriers as people or businesses who make many separate deliveries in the course of a day, even if they load up with many orders for recipients in the same area first.

On the other hand, a haulier is defined by driving long distances to deliver a single load, or at least a small number of loads, over the course of a day.

It is important to determine if you count as a haulier or a courier (in your insurer’s opinion) before taking cover. If they decide you were working as a courier, your light haulage insurance will not be valid, and vice versa.

Add on’s available for light haulage insurance

We can tailor a policy to your exact requirements, but these common add ons are worth considering:

• Breakdown and/or recovery cover
• Excess protection cover
• Public liability cover
• Legal cover

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Who needs light haulage insurance?

If you’re in the business of moving goods, whether your own or on behalf of someone else, to single destinations, you should consider getting the right insurance coverage in place. Light haulage insurance can be useful whether you have one or more van or lorries and need to protect them, their drivers as well as the goods themselves.

At ISIS we specialise in commercial vehicle insurance for HGV’s and lorries. We will take the time to understand your business and can make recommendations about the cover that you need. We can tailor a policy that reflects your requirements and help you get the peace of mind that comes from knowing you have adequate protection in place without paying for cover you don’t need.

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