Courier Van Driver?
If you deliver goods for a living you need insurance. It is a dangerous world out there!
The Physical, Mental & Financial Health Hazards That UK Delivery Van Drivers Face And How Insurance Can Help
Do you ever wonder what it’s like to deliver packages for a living? Many people dream of being able to work from home, in their own time and on their own terms. A job that lets you drive around your area would seem perfect. However, there are many hidden dangers that come with this job. Not only do UK delivery van drivers get exhausted after hours of driving, they also face many risks every time they get behind the wheel. Here are some of the hazards that these professionals face and how insurance can protect them against the costs associated with them!
Insurance shouldn't cost the earth. Prudent Plus Limited provide very reasonably priced hire and reward insurance for those who deliver goods; you can get quotes for van courier insurance here. They can also get some very Cheap Car Insurance too!
The Physical Dangers of Being a Delivery Van Driver
A large portion of the UK delivery van driver’s job is to drive. Unfortunately, this is not a risk-free activity. Road accidents are the leading cause of death for UK adults between the ages of 16 and 44. This means that more than 5,000 people per year lose their lives due to a van accident. If you drive for a living, your risk of getting in a van accident is higher. You are up to 20 times more likely to get into an accident than the average driver. This is because driving is your full-time job and you’re at the wheel for long hours. You might be tired when you start a delivery route, which can put you at risk of making mistakes while behind the wheel. Driving also puts you at risk of physical injuries, such as cuts and fractures. This is especially true if your van is not properly maintained or if you’re driving in bad weather conditions. If you get in an accident, you might suffer more severe injuries such as a broken leg or a sprained back. These can keep you off work for weeks or even months. Physical injuries can also lead to costly medical bills.
Mental Health Hazards for Delivery Van Drivers
In addition to the physical risks, driving for a living can be mentally taxing as well. The pressure to get the job done quickly and efficiently can lead to exhaustion. This can increase the risk of accidents and make it harder for drivers to use safe driving practices. These can include things like maintaining a safe distance from other drivers, properly signaling when changing lanes and avoiding driving when over-tired. Drivers who are mentally stressed out can also become more prone to making mistakes. This can lead to traffic violations, accidents and damage to property. Mental health hazards also make it harder to stay healthy while on the job. You might delay going to the doctor when you are not feeling well. This can make it easier for an infection to spread and turn into a serious health problem.
Insurance coverage recommendations for van drivers
- For physical injuries: You can get coverage for medical expenses and lost wages if you get hurt on the job. This coverage is important if you suffer a severe injury that keeps you out of work for weeks or months.
- For mental health risks: You can get coverage for mental healthcare expenses if you experience anxiety or another mental health problem on the job. This coverage is important if you don’t know if you have a mental health problem or if you don’t have the money to seek treatment for it.
- For vehicle damage: Even if you have a van insurance policy, you’ll need to have what is known asHire And reward Insurance. This is the portion of your policy that pays for third party claims if you get into an accident. It also covers any medical expenses that insurance companies are responsible for paying out.
- For repair costs for accidents caused by uninsured drivers: You can also get cover for this. This coverage is important if you get into an accident that is not your fault and you need to pay for repairs to your van.
- For public liability claims: this coverage can also be helpful if you accidentally damage someone’s property while on the job.
Financial Safety Hazards for Delivery Drivers
Deliveries sometimes bring the driver to an unsafe place or late at night. This can bring safety hazards, like the chance of theft or assault. Workers’ compensation insurance can protect you if you get injured on the job. It can also help you replace lost income if you have to take time off work to recover. If you are injured on the job, you will also have to pay less in taxes as a result. The costs of running a delivery service are not cheap. This means that you sometimes run the risk of going over budget. If this happens, you can get financing coverage to help you pay for expenses. This can protect you from financial penalties if you can’t make payments on time.
Long hours and poor working conditions
Long hours and poor working conditions can cause mental health issues. This can make it harder for delivery drivers to stay productive on the job. It can also make them more likely to get injured while working. Mental health issues can lead to things like absenteeism and turnover. This can put a strain on your business and make it harder to find and retain good workers. Mental health issues can also lead to higher health care costs and loss of productivity. Working conditions can also affect your safety. You might have to do a lot of driving in bad weather conditions. This can make it harder for you to safely operate a vehicle. Long hours can also cause you to get tired while driving. This can make you more likely to make mistakes while on the road.
Risk of injury
Delivery drivers often work with heavy items like food or paper goods. Handling these items can sometimes lead to sprains, strains and muscle injuries. You might also lose your balance while climbing in and out of delivery vans. This can lead to falling hazards.
Risk of infection
Delivery drivers often work in poor hygienic conditions. This can make it easier to get sick. It can also make it harder to recover when you do get sick. Risk of heat-related illness: Delivery drivers spend a lot of time outside in the summer months. This can lead to heat-related illness, which can be deadly when untreated.
Risk of exposure to hazards
Exposure to the elements: Weather conditions can make it harder to work outside. Exposure to hazardous materials: Materials like pesticides, cleaning products, paint and other chemicals can lead to health hazards. Exposure to violent/dangerous people: Delivery drivers often work in dangerous areas. This can put you at risk of coming into contact with violent people.
Exposure to infectious diseases
Delivery drivers often work with people who have infectious diseases. This can put you at risk of coming into contact with the disease.
Risk of theft or loss of property
Risk of theft of property: You often transport valuable items on the job. Risk of injury or death: You sometimes have to visit dangerous places to do your job. Risk of fraud or identity theft: You sometimes handle financial information on the job. This can make it easier for criminals to target you.
Wrapping up: How insurance can help
If you are a delivery driver, it is important to make sure that you are covered in the event that something goes wrong. This can be done by purchasing the correct insurance plan. When you do this, you can be protected against many of the hazards that come with the job. There are many physical and mental health hazards associated with being a delivery driver. These hazards can make it harder to do your job and can also put you at risk of injury or death. You can protect yourself against these hazards by purchasing the right insurance cover.