How many vehicles can a Goods in Transit policy cover?

Our Goods in Transit policies can cover any number of vehicles under one policy. Our sales team will determine how many vehicles you require cover for, and ensure you are covered adequately by giving you a level of cover per vehicle on the policy.

Why do I need Goods in Transit insurance?

If your business is involved in transporting goods from one location to another, you may not be covered under the terms of a standard commercial vehicle policy for any damage or loss to any of the goods you are carrying while in transit.

What is courier insurance?

Courier Insurance is a type of cover designed for people who drive a vehicle and carry other peoples goods or materials for work. Courier drivers require specialist motor insurance which covers them to ‘carry goods for hire and reward’.

Do I need Courier Insurance?

It’s simple! If you drive a vehicle and carry other people’s goods or materials for work, you will need Courier Insurance. Whether you are transporting promotional goods or general deliveries, you will need to make sure you have the correct Courier Insurance before heading out on the road.

Can I add a driver to my policy?

Yes, subject to an additional premium and dependent on the insurer. Contact us with the details of the driver and we should be able to obtain a quote with them.

Does my policy come with Goods In Transit cover?

Some Courier Insurance policies come with Goods in Transit cover automatically. Some do not. We’ll be able to find you a competitive quote for your Goods in Transit even if it isn’t already included.

How much is Courier Insurance?

Our policies are tailored to suit your requirements so your premium is calculated based on what type of cover you need. We do not have set costs for the cover, however you can speak to our agents who can find a quick quote for you over the phone.

What is Commercial Van Insurance?

Commercial Van Insurance is a type of policy for people who drive a van for work purposes. This policy is also for those who use a van to commute to work, even if its not used as part of their job.

What is Public Hire Taxi Insurance?

A public hire vehicle is a taxi which is licensed for use as a hackney carriage i.e. a black cab that you can flag down and do not have to pre-book.

Do I need Commercial Insurance?

No, with our Taxi Insurance you will not require extra Commercial Insurance as our policies are designed to specifically cover taxi drivers.

What is Haulage insurance?

Haulage Insurance is a form of Commercial Vehicle Insurance for people who transport goods in a HGV for work.

What is Light Haulage Insurance?

A type of insurance designed for individuals or businesses who carry smaller goods in smaller vehicles on behalf of customers. However, you must make sure that your policy covers you for all types of goods that you carry.

Are there any instances where GAP Insurance doesn’t pay out?

If your motor insurer refuses your claim for any reason, then GAP Insurance cannot settle the shortfall. Also, if you purchase a brand new car which is subsequently a total loss and your insurer offers you a new-for-old replacement vehicle which you refuse, your GAP policy will not pay out. Please refer to your policy wording for full exclusions.

What is Fleet Insurance?

Fleet Insurance is a type of cover which is designed for businesses who own multiple vehicles. To save you from having multiple policies, Fleet Insurance allows you to have all your vehicles insured under one policy.

Is a fleet policy cheaper?

A fleet policy is not always cheaper, each risk is looked at on an individual basis and our insurance experts will be able to review your requirements and offer further advice and information on prices.

Can my wife drive the vehicle?

Yes, but only if it is related to your business or for social, domestic and pleasure use. The vehicles cannot be used for any other business use than what is stated on your policy.

I rent a salon, do I still need insurance?

If you rent the property you will not require Buildings Insurance as the building owner should have this covered. However, you would require Pubic Liability Insurance, and Employers Liability Insurance if you have staff working for you. We also recommend Contents & Stock Insurance to ensure your equipment and products are covered.

I own an office space, do I need insurance?

If you own the building, you require Buildings Insurance and we would recommend you get Contents Insurance to protect your office equipment. If you have staff, you will also require Employers Liability Insurance.

I rent an office space, do I need insurance?

It is the owners responsibility of the building you rent to have Buildings Insurance in place. However, if you have your own staff and contents, you will need to take out Employers Liability Insurance and Contents Insurance.

How much does Shop Insurance cost?

The cost of Shop Insurance depends on your business requirements. We have experts on hand to guide you through the process and offer you a quote specific to your business.

How much does Restaurant Insurance cost?

The cost of Restaurant Insurance will vary for different businesses. Our aim is to find out more about your business and talk through all of your requirements to give you a competitive package and price.

What type of insurance do you need for a restaurant?

If you own the building, you will need Buildings Insurance and should also consider Public Liability Insurance. If you have staff, you will also need to add Employers Liability Insurance. For equipment and products on sale, you may also need to consider Contents and Stock cover.

What insurance do I need for a pub?

As the owner of a licensed venue you require Public Liability Insurance, Employers Liability, Buildings (if required), Contents, and Stock Insurance. We also recommend that you consider Loss of Licence Insurance.

If I do not own the pub, do I still need to take out insurance?

If you do not own the venue, you would not require Buildings Insurance, as this will be the responsibility of the owner. However, you should consider Contents and Stock Insurance, Public Liability Insurance, Employers Liability Insurance, as well as Loss of License.

Are my contents covered?

Our Contents and Stock Insurance cover protects your contents, stock and cash within your premises.

I own a large hotel, am I able to get cover?

We try and cater for all different sized Hotels or Guesthouses. Each business is different, so we would prefer to speak to you to find out more about your individual needs and find the best cover and price for you.

What is Commercial Property Insurance?

If you own a commercial property, you will require Buildings Insurance. Contents insurance would be recommended. Our commercial property insurance can cover you for both as well as your liability.

How much is Landlord Insurance?

This varies for each individual landlord policy. Our prices are based on many factors, including the value of the property and contents that need to be covered.

Do I need Landlord Contents Insurance?

We recommend that you have Contents Insurance in place to protect you financially. Especially if your property is furnished, where our Contents Insurance covers you for damage or theft to your furniture.

Are my tools covered overnight?

Our policies do extend to cover tools overnight, subject to terms and conditions. Our experts will talk you through those conditions.

Do I need Tools Insurance?

It is not a legal requirement, however it is highly recommended to protect you against financial loss and also may lead to you being unable to work.

What is Tradesmen Insurance?

Tradesman Insurance is insurance for people in the trade. Public Liability Insurance protects a tradesman against damage to a third party property or person. Tradesman Insurance can also include cover for Employers Liability, Tools, Plant and Contractors All Risks.

I am a sole trader, do I need Tradesmen Insurance?

Although not a legal requirement we would recommend Public Liability Insurance is taken out to protect yourself and your customers against injury to a third party person, or damage to a third party property.

I am a counsellor, can I get covered?

Yes – we insure life coaches and counsellors. We would recommend you give us a call and talk through your profession and our in-house experts and advise you on what the best type of cover is for you and your business.

What is Public Liability Insurance?

Public Liability is a type of insurance that protects you in the event that a member of public was to sue your business. It covers you against the cost of claims made against you if a member of the public has suffered an injury as a result of your business.

Why do I need Public Liability Insurance?

If you are a sole trader or partnership with no employees it is not a legal requirement to have Public Liability Insurance. However, it is recommended that you have Public Liability when working on public property. You may also be required to have Public Liability Insurance as part of a contract with a principal contractor.

What levels of cover do you offer?

We offer cover for £1 million, £2 million, £5 million and £10 million, so you can select which cover suits your business requirements best.

Is Public Liability Insurance a legal requirement?

While Public Liability Insurance is not compulsory under UK law, it is strongly recommended and may be required by some of your clients. Depending on your business, some organisations will require you to have proof of Public Liability Insurance cover before agreeing to a contract.

What is Employers Liability Insurance?

Employers Liability is Insurance cover which protects you against and costs of legal fees should an employee sue your business for any illness or injury which occurred when working for you. You are legally required to have correct the Liability Insurance if you have employees.

Is Employers Liability Insurance compulsory?

Yes, if you employ staff directly or use labour only sub-contractors it is a legal requirement to ensure you have Employers Liability Insurance. If you are employing a family member, it is not always compulsory to have Employers Liability Insurance, however is recommended.

Do I need Employer’s Liability Insurance for contractors and sub-contractors?

All labour only sub-contractors are your responsibility and are required to be covered by Employers Liability Insurance. Bona-fide sub-contractors, working independently, may not require cover. They will have their own Public Liability Insurance, however, you must ensure that their insurance is of an equivalent cover limit to your own policy.

What is Professional Indemnity Insurance?

Professional Indemnity Insurance is an important type of business insurance, designed for businesses that give advice or provide a professional service to clients. It can cover compensation claims if legal action is brought against you by a client for making an error that leads to financial loss.

Why is Professional Indemnity Insurance required?

It provides cover for financial loss caused by wrongful advice or services. If you are providing advice, consultation, or design services it is recommended that you have Professional Indemnity Insurance. You may also be required to hold Professional Indemnity as part of a contract with a principal contractor.

Does a limited company need Professional Indemnity Insurance?

It is not an insurance product required by law and depends on the type of services provided by the company. Professional Indemnity Insurance is prudent when it comes to businesses offering a professional service such as accountants, solicitors, consultants, architects, etc.

What is Directors and Officers Insurance?

Directors & Officers (D&O) is liability insurance for the directors and officers of a company. If someone alleges you’ve done a wrongful act when running your business, then they can sue the company, which means they can sue you. D&O Insurance offers protection for claims against you as an individual.

Am I protected against claims made by investors?

If your company has directors or key managers, directors’ and officers’ liability insurance can cover the cost of compensation claims made against them by shareholders, investors, employees, regulators or third parties.

What is Cyber Liability Insurance?

Cyber Liability Insurance is a policy which protects businesses from internet-based risks. Such as cyber attacks, data breaches and hacking.

Who needs Cyber Liability Insurance?

If you own a business which handles sensitive data on your computer systems you should have the correct protection in place. Having the right insurance means you are protecting your business against the risk of your customers data being compromised in the event of a cyber attack.

What does Cyber Liability Insurance cover?

Cyber Liability Insurance is designed to support and protect your business if it experiences a data breach or is the subject of an attack by a malicious hacker that affects its computer systems.

What additional insurance documents will I need?

If the UK leaves the EU without a deal on or before 31st January 2020, all UK motorists who are planning to drive in the European Economic Area (EEA) and some other countries (Andorra, Serbia and Switzerland) will need to request a green card.

What is a Green Card?

Green Cards are an international certificate of insurance issued by insurance providers in the UK, guaranteeing that the motorist has the necessary third-party motor insurance cover for driving in the country being travelled to.

How do I get a Green Card?

Prior to travelling you will need to contact us on 0344 776 5305 to request your Green Card. Depending on who your insurer is, we will either request a Green Card from the insurer or we will issue you your Green Card directly. We recommend that you contact us at least one month before travel as some insurers have indicated it could take up to 4 weeks to issue the Green Card.

What if I travel without a green card?

If we leave the EU on or before January 31st 2020, and you drive in a European country without a Green Card, you will be breaking the law.

This could result in you being charged with driving without insurance which could be subject to a fine, having your vehicle seized or prosecution.

Do I need to have a physical copy of a green card whilst driving abroad?

Yes. Under current international rules, Green Cards are physical paper documents printed on green paper. You may be required to show the physical document at the border when entering the EU, but this will be a decision for the border authorities to take. You may also be subject to police checks while driving abroad and you will also need to be able to present the document at the scene if you are involved in an accident.

How do I get started?

Getting your name out there locally is a great starting point. Whilst the majority of couriers are self-employed, they actually contract with different courier companies. You should have a look on the Courier Exchange website, which helps you find courier work, increase business, reduce costs, network and expand routes. It may take a while before your self-employed courier jobs really take off, but if you complete the job well demonstrating reliability and build up an excellent reputation, there will always be work with courier companies who heavily depend on reliable couriers.

What type of vehicle do I need?

There’s plenty of haulier and courier work available if you have a car, but the bigger the vehicle the better, so that you can courier bigger loads. Vans are preferred and will heighten your earning potential, but the most fundamental thing is that your vehicle is reliable and can go long distances without breaking down.

Do I need insurance? What insurance do I need?

As you will be driving a vehicle, you are required by law to have insurance and it is your responsibility to have the correct insurance. If you are driving a van, you will need to have courier insurance. It would also be a good idea to have Goods In Transit insurance too, as this covers you in the event of goods you are transporting being damaged or stolen, whilst in your vehicle. If you have a large number of vehicles then it may be wise to consider Fleet Insurance as well.

How and when do I get paid?

Courier drivers typically get paid very quickly via bank transfer, with all invoices being processed and paid usually within 30 days.

What requirements are there?

You don’t need any qualifications to become a courier driver – the only real requirement is that you have a full and clean driving licence, along with a vehicle that is MOT’d with the correct type of business insurance. Becoming a self-employed courier driver does require certain skills. The most crucial skill for self-employed couriers is that they know where to go. With familiarity of traffic patterns and roadworks, they can plan the best and quickest routes possible, not only to ensure they arrive at their destination in good time but also for fuel efficiency. Courier drivers will also need to manage their bookkeeping, keeping track of packages and costs. People skills and a cheerful personality won’t go amiss either, as you will be dealing regularly with customers when delivering parcels. Finally, it will be handy to know what to do in the event of something going wrong with your vehicle – there’s always the chance of a flat tyre or your vehicle breaking down.

What are the advantages to becoming a courier driver?

There are plenty of delivery driver advantages. With a change of scenery with every courier job, you’re not stuck behind a desk in an office job and there’s lots of flexibility, especially as you can choose your own hours and can choose the work you take on.

How much money can I make as a courier?

Courier driver jobs make a decent wage. A self-employed courier salary can be as much as £300 a day. Whilst wages will be low to begin with, it increases over time and you can still work in your day job, whilst being a courier driver. You can also earn more if you have a van, instead of a car as you will be able to deliver bigger loads.

What does a courier do / main duties of a courier?

The main duties of a courier driver are transporting items that require urgent delivery. These packages can range from fragile items and legal contracts, to medical delivery and business documents. Courier drivers will need to plan delivery routes, load items into their car or van, examine vehicles, signing for items and collecting instructions.

If you’re becoming a self-employed courier driver and need the appropriate insurance, or if you are an experienced courier driver needing to renew your insurance, get in touch with Business Choice Direct today. We can give you fantastic bespoke insurance policies tailored for your own needs.

Who are Strategic and who are LAMP?

Strategic are the insurance agency the policy was arranged through. LAMP Insurance are the insurance company that underwrite the GAP or Total Loss Protection policy.

What does this mean for me?

Your GAP or Total Loss Protection policy is now cancelled and you would not be able to make any claim on that policy as of 3rd October 2019.

How much refund would I receive?

If you are due a refund, return of premium is calculated on the basis of any unexpired premium from the Disclaimer date (3rd October 2019), and is compensated at 90% of the total due by the FSCS. No refund would be due if a claim had been reported. 

If I have cancelled my policy would I still be due any refund?

The terms and conditions of your existing policy remain applicable in the event that you have cancelled your Lamp insurance policy. Please see your policy wording in relation to cancellations.

The FSCS have advised that policyholders who have cancelled their policies will still be entitled to a return of premium but its value will be determined according to the policy terms and conditions which may be less favourable than a pro-rata return.

I have an existing claim or want to make a new claim. What should I do?

The Liquidator has appointed Quest Consulting (London) Ltd of 52-53 Gracechurch Street, London EC3V OEH, United Kingdom (“Quest”) to administer claims and communications in respect of insurance claims should be sent to the following email address lamp@quest-group.co.uk

No claims occurring after 23:59 on 2nd October 2019 will be considered. Existing claims will continue to be dealt with by Quest Consulting.

Can I get Instant Cover?

Yes, you can, once you have paid the premium or your deposit, we can send proof of cover by email straight away.

Can I pay in instalments?

Of course, we have a range of instalment options including flexible deposits depending on your circumstances.

What is Furniture Removal insurance?

You will require furniture removal insurance if you carry out home or office moves which involve the removal of furniture, this insurance will cover the use carriage of goods for hire & reward but specifically to carry out furniture removals.

How much is Furniture Removal insurance?

Our policies are tailored to suit your requirements so your premium is calculated based on what type of cover you need. We do not have set costs for the cover, however you can speak to our agents who can find a quick quote for you over the phone.