PolicyPlan 'Courier Van Insurance' - are you insured?

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PolicyPlan 'Courier Van Insurance' - are you insured?

Postby Alec » Thursday 14 June 2018, 11:08

Apologies to anyone who's already read this in various places. I'm deliberately banging on about it everywhere I can because it's clear from conversations I've had with many of my subcontractors that they're not aware of the problem and in many cases they don't actually believe me when I point out the exclusions on their policies. That's forgivable I suppose, since it's so ridiculous that such an unsuitable insurance policy is being sold to couriers.

Here's the problem:
A few words of warning about the popular PolicyPlan ‘Courier Van Insurance’ policy offered by many brokers, including Coversure and Business Choice Direct, The policy is managed by PolicyPlan Limited, PolicyPlan is an appointed representative of Staveley Head Limited. These policies have been worrying me for a while now and I really don’t think I’ve made enough fuss about it.

Put simply, if you have a PolicyPlan ‘Courier Van Insurance’ policy it appears to me that there’s a good chance that you’re driving completely uninsured if you carry some completely innocuous goods which same day couriers are often asked to carry. That’s uninsured for motor risks – not just for Goods In Transit.

The PolicyPlan ‘Courier Van Insurance’ policy is a joint Motor/GIT policy and they’ve carried all the common GIT exclusions over to their endorsement ME21 (or ME21a) which renders the whole policy void (including compulsory motor insurance) if you carry certain goods. Worse still, the list of goods you’re not allowed to carry has obviously just been copied from the common exclusions on GIT policies aimed at hauliers, rather than same day couriers.

So, while it might make sense for the insurer to limit their GIT liability in the case of a whole artic load of mobile phones, computer chips, or even shoes, this whole policy (including compulsory third-party motor insurance) is completely invalidated by a courier delivering a single mobile phone, laptop, hard-drive or a book of stamps. Really.

Goods which you’re ‘forbidden’ to carry under the policy include:

Time-critical human and/or animal organs, tissue or blood,
Money, securities for money, negotiable instruments,
Saving stamps,
Unused postage stamps,
Fine arts,
Hazardous goods over the ADR load thresholds,
alcoholic spirits, processed tobacco or tobacco products,
furs, clothing or footwear,
non ferrous metals,
domestic audio visual equipment or Accessories,
cigars, cigarettes and tobacco excluding raw leaf tobacco,
computer hardware or software,
mobile phones or other portable communication devices,
microchips, microprocessors, central processing units, system boards, memory boards, memory, sound or video cards or hi-tech components of a similar nature designed to be used in or in connection with computers or other electronic devices but not when they are fitted in such a device,
Goods in connection with the removal of household, office and factory furnishings and equipment
(including scrap, site clearance and/or waste disposal).

I know from conversations I’ve had with various couriers that they’re either completely unaware of these restrictions or they’ve wrongly assumed that the restrictions apply only to the Goods In Transit section of the policy.

The fact that many experienced couriers, never mind the new owner-drivers buying these policies, are completely unaware of the implications of these restrictions on the carriage of commonly-carried goods makes it clear to me that the ‘specialist’ insurance companies and brokers involved in providing the policies are failing in their duties to their clients and leaving them exposed to uninsured liabilities and possible prosecution for driving without insurance.

I don’t know the scale of this problem but I doubt the policy has been written for the benefit of just 10’s of couriers – there are more likely to be 100’s or 1,000’s, both working for the nationals and through platforms like CX, who are uninsured when carrying perfectly normal, and harmless, items.

This is a ridiculous situation and just underlines the lack of knowledge these 'courier insurance specialists' seem to have of the industry they're selling to.
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Re: PolicyPlan 'Courier Van Insurance' - are you insured?

Postby AndyBee » Friday 22 June 2018, 23:59

Well this is going to be an interesting call on Monday, most of what I carry is printers, atm and till electronics and mobile mast bits
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Re: PolicyPlan 'Courier Van Insurance' - are you insured?

Postby The Doctor » Sunday 1 July 2018, 18:45

AndyBee wrote:Well this is going to be an interesting call on Monday, most of what I carry is printers, atm and till electronics and mobile mast bits


Did you ever make this call?

As a policy plan holder myself, I'd be interested in what you discovered. Are things really as bad as posted?
It may look like a standard Transit but, you'll be suprised on what I can get in it .......
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Re: PolicyPlan 'Courier Van Insurance' - are you insured?

Postby Alec » Monday 2 July 2018, 10:51

Just read the policy schedule, it's clear enough.
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Re: PolicyPlan 'Courier Van Insurance' - are you insured?

Postby The Doctor » Monday 2 July 2018, 17:35

Alec wrote:Just read the policy schedule, it's clear enough.


Thanks for that. It really helped. :no:

Given the total number of policy holders, who've held one of these policies, I can't imagine there's never been a case of one of them trying to make a claim, which, going by your post, would be invalid. I'm sure, those working in the industry (insurance brokers), would know more about this, than any policy holders.

Insurance brokers recommend this policy and if proved unsuitable, I'm sure, there'd be done for mis-selling, but you may know better.
It may look like a standard Transit but, you'll be suprised on what I can get in it .......
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Re: PolicyPlan 'Courier Van Insurance' - are you insured?

Postby Alec » Tuesday 3 July 2018, 08:10

The Doctor wrote:
Alec wrote:Just read the policy schedule, it's clear enough.


Thanks for that. It really helped. :no:


Well if you've got one of these policies then reading it is all you need to do to confirm what I'm saying.

The Doctor wrote:Given the total number of policy holders, who've held one of these policies, I can't imagine there's never been a case of one of them trying to make a claim, which, going by your post, would be invalid. I'm sure, those working in the industry (insurance brokers), would know more about this, than any policy holders.

Insurance brokers recommend this policy and if proved unsuitable, I'm sure, there'd be done for mis-selling, but you may know better.


People have confirmed with their brokers that my understanding is correct. Brokers don't tend to point out every detail of a policy - they advise you to check that the policy meets your requirements. You're right though, the brokers should be 'done' for mis-selling. As it's hardly likely affect hundreds of thousands of people though I can't see it happening, unless somebody kicks up a fuss about it.
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Re: PolicyPlan 'Courier Van Insurance' - are you insured?

Postby bramble43 » Wednesday 24 October 2018, 09:23

Has anyone phoned them to get a comment?
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