There are so many things that impact how much you are going to be charged for your courier insurance such as the make and model of van, where you keep the vehicle parked overnight, what security devices (if any) are fitted to the van to act as a deterrent to a thief and how many miles you do each year in the van delivering parcels etc.

A lot of motorists driving cars have found that they are doing fewer miles that they were before the pandemic. A major reason for this is that many people worked from home during the pandemic rather than commuting to work in their cars. In fact, there are still an awful lot of people who continue to work from home or may be travelling into the office a couple of days a week and spending three days a week working from home.

However, courier drivers may have found the opposite i.e. they may be spending more time behind the wheel of their van delivering parcels and other goods now than they were before the pandemic started and doing more miles each day. One reason for this is that a lot of people during the pandemic chose to do more shopping online rather than venture out to retail shops as they felt they were less likely to contract COVID-19.

Therefore, you may wish to check the amount of mileage you are covered for driving your van each year. If you find that you are doing a lot more miles than estimated then you should get in contact with the insurance company providing your courier cover to let them know. This may result in an increase in the cost of your courier insurance but better that than put in a claim on your policy as a result of a road traffic accident to find that the claim is denied due to you exceeding the number of miles you estimated you were going to do each year.