Do You Drive Without Van Insurance?
Driving without insurance is a very dangerous thing to do if you become a courier.
Quite simply you are deemed a 'professional' driver and you will have no excuse (not that there is any) for driving with your vehicle uninsured.
If you are caught, and the chances are pretty high that you will be, then you can be fined, banned, points on your license, van crushed or sent to prison - sometimes a combination of these is issued.
Lets look at each part, and it's impact upon the courier and their business.
Fined: You are out of pocket financially by several hundred pound and it would have been cheaper to get the insurance, you will probably continue your business and this time have van insurance.
You have had a lucky escape.
Really.
You have.
Banned: If you are an owner driver - you are toast, seriously you cannot drive legally, you cannot operate you business as it requires you to drive.
If you have not had an accident, then ok, you will need a new career.
If you have had an accident and have been found driving your van without insurance then you will be in serious trouble.
The victim can claim against you for damages, and you could lose your house.
Points on the drivers license: Your van insurance is now twice the price it could have been, as you have points.
It costs you more financially and you are stuck for upto 4 years with the points on your license.
Van Crushed: No van, no job if you are an owner driver.
If you have several vans, you have lost a big chunk of your business.
If you have just one van, you have lost it all.
Sent to prison: Loss of liberty, can't run your business.
Business will probably fold.
Harder to start up when released as you have a criminal conviction.
Harder and more expensive to get insurance for any vans that you get.
In this article we just talk about the impact of the courier, we have yet to write about the corporate manslaughter ramifications if someone was killed whilst driving without insurance.
Shop around, get quotes but most importantly, don't drive without your van insurance.
Quite simply you are deemed a 'professional' driver and you will have no excuse (not that there is any) for driving with your vehicle uninsured.
If you are caught, and the chances are pretty high that you will be, then you can be fined, banned, points on your license, van crushed or sent to prison - sometimes a combination of these is issued.
Lets look at each part, and it's impact upon the courier and their business.
Fined: You are out of pocket financially by several hundred pound and it would have been cheaper to get the insurance, you will probably continue your business and this time have van insurance.
You have had a lucky escape.
Really.
You have.
Banned: If you are an owner driver - you are toast, seriously you cannot drive legally, you cannot operate you business as it requires you to drive.
If you have not had an accident, then ok, you will need a new career.
If you have had an accident and have been found driving your van without insurance then you will be in serious trouble.
The victim can claim against you for damages, and you could lose your house.
Points on the drivers license: Your van insurance is now twice the price it could have been, as you have points.
It costs you more financially and you are stuck for upto 4 years with the points on your license.
Van Crushed: No van, no job if you are an owner driver.
If you have several vans, you have lost a big chunk of your business.
If you have just one van, you have lost it all.
Sent to prison: Loss of liberty, can't run your business.
Business will probably fold.
Harder to start up when released as you have a criminal conviction.
Harder and more expensive to get insurance for any vans that you get.
In this article we just talk about the impact of the courier, we have yet to write about the corporate manslaughter ramifications if someone was killed whilst driving without insurance.
Shop around, get quotes but most importantly, don't drive without your van insurance.