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Need a Courier Insurance quote?  Let the independent specialists at your local Coversure office compare their markets to find you quality van courier insurance protection.  Your local Coversure office can tailor protection to your needs,

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What Is Courier Insurance?

Courier insurance protects professional delivery drivers from the risks they face while working. This adaptable form of cover can protect:
  • Full-time couriers
  • Part-time, so-called ‘lifestyle couriers’
  • Van couriers
  • Car couriers
  • Parcels while being moved
  • Van owners who periodically carry goods for money
  • Drivers delivering their own goods

If you’d like to know more, or if you’d like a quote for courier insurance, or contact your local Coversure office.

Who Needs Courier Insurance?

This may sound like an odd question, but with the rise of self-employed, lifestyle couriers and small business owners using vans to do paid deliveries, it applies to more people than you might think:

  • Lifestyle couriers – if you do deliveries for money you need courier insurance cover as your standard car, motorbike, or van policy will not be valid.  Even if you only work part-time you still need this added level of protection
  • Hire and reward drivers – If you do paid delivery work like many van owners do, you’ll need van courier insurance.  Whether it’s delivering goods to customers or suppliers or carrying your own goods, you’ll need a policy in place
  • If you have any questions about which type of policy you need, please contact your local Coversure office. They’ll happily give you the advice you need to keep you safe and legal.

What does Courier Insurance cover?

Depending on what you choose to include in your policy, you can be covered for:

  • Damage to your vehicle – if you have a third-party policy, you will only be able to claim if the damage was caused by an accident that wasn’t your fault
  • Theft of your vehicle
  • Your vehicle is destroyed by fire

What Optional Covers Are Available?

Breakdown and Recovery

One of the most significant issues with any vehicle is that it could break down, leaving you stranded, unable to work, and facing a recovery bill. This is why it pays to know that in the event of a problem, you have breakdown and recovery cover as part of your cover.  With it, you can get back to work and back to earning a living more quickly

Legal Assistance

This will cover your legal expenses should you need to claim for uninsured losses following an accident that wasn’t your fault.  If you’re prosecuted for an event related to using/owing your vehicle, it will cover your legal fees and give you access to confidential legal advice

Goods in Transit

If you deliver goods to your customers, then goods in transit insurance is a good policy element to have in place.  This will protect the stock you are travelling with from theft, loss, or damage while you, or your drivers and their deliveries, are on the road

Employers’ liability

This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:

  • Cover you for at least £5 million
  • Be with an authorised insurer
  • And employers must provide a safe working environment

Public Liability

Provides cover should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.

How Much Does A Courier Insurance Policy Cost?

How much your policy will cost depends on several factors, some of which we’ve outlined below:

  • Your age – younger drivers tend to pay more, and many insurers won’t insure drivers under 25 or over 75
  • Where you are working – inner cities, on routes with high accident rates, or postcodes with high crime rates will all push up your premiums
  • Your claims history – good, safe drivers with years of no-claims bonus pay less than those who have multiple claims
  • What you are driving – an older, less secure vehicle is likely to more expensive to insure than a newer one
  • Your vehicle’s security – vans that are garaged overnight, ones with dashcams and interior cameras, immobilisers, alarms, and telematics devices will usually be cheaper to insure than those without these security benefits
  • The distance you are covering – statistically speaking, the longer you are driving, the greater your chances of you having an accident

For a personalised courier insurance quote, contact your local Coversure office.  They’ll compare their markets to find you a policy that suits your needs.

How To Save On Courier Insurance

While demand for drivers has never been higher, the market remains highly competitive, and keeping costs down is vital to your business’s success.  To help you cut the cost of your courier insurance, here are a few top tips on how to save on courier insurance:

  • Consider a higher excess – raising your excess – the amount you pay in the event of a claim – can help reduce your premiums.  If you have a good (low) claims history, then this can prove a good option
  • Always check the policy – or better still, have your broker check it for you.  Given the nature of your business, insurers will make provision for a wide range of eventualities – such as the carrying of hazardous goods or European cover – and if these aren’t relevant to you, why pay for them?
  • Always use an insurance broker – yes, we would say that, but it’s true.  Your local Coversure office can not only save you time by doing the shopping around for you by talking to leading insurers such as Aviva, RSA, and the RAC; they can also use their industry expertise to find you the right policy at the right price
  • Pay annually – while it may be convenient to pay in instalments, you may pay less if you pay in one lump sum
  • Protect your vehicle – vans and other delivery vehicles are an attractive target for thieves.

Parkers reported in late 2021 that thefts were up over 8% since 2015 and look set to double by 2030.  Dashcams, deadlocks, and garaging overnight are all good ways to help lower the risk of theft and potentially lower your premiums

  • More than one vehicle?  Consider courier fleet insurance – if you have two or more vehicles – be they vans, cars, motorbikes, or even trucks – you could save time and money by taking out courier fleet insurance.  With one renewal date, lower per-vehicle premiums, and flexibility as to who can drive your vehicles, it can make good business sense.  If you’d like to know more about fleet insurance for couriers, talk to your local Coversure office
  • Don’t cut corners on the cover – saving money on your policy is ideal, but don’t cut elements that could cost you more in the long run.  Not having public liability protection or failing to declare problematic drivers – those with convictions or under the age of 25 – can cut quotes, but it could come back to haunt you

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Courier cover for you.

Courier Insurance FAQ

Courier Insurance FAQ

Courier insurance is a complex cover area, so to help you get the protection you need, here is Coversure’s courier insurance frequently asked questions. We hope they will be of help, but if you’d like some independent advice, contact your local Coversure office.

If you do deliveries for money, transport your own goods, or do customer deliveries, then yes

Yes, as you need cover to drive on public roads, and doing paid deliveries on a standard motor policy will invalidate your policy.  So, you’ll need a car, motorbike, or van courier insurance policy.  Also, if you have employees, then you will need employers’ liability insurance

Getting a quote is easy.  Talk to your local Coversure office or start your courier insurance quote today

That will depend on factors such as the driver’s age, where you are doing deliveries to, your claims history, what you are driving – its age, condition, level of security, etc., and the distance you are covering

As a self-employed delivery driver, you’ll need courier insurance

Yes.  If you’re using your car, motorbike, or van to do deliveries, that will invalidate your standard motor policy.  If you want to do paid deliveries, you’ll need a courier policy

Yes, if you have goods in transit cover as part of your policy.  Goods in transit will protect your cargo against loss, damage, or theft while being moved

No, goods in transit insurance isn’t a legal requirement.  That said, some companies and other employers – local authorities, for example – will insist you have it before you carry goods for them

Add-ons such as goods in transit, public liability, and breakdown and recovery are well worth considering

Need a Courier Insurance quote?

If you’d like a Courier Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Commercial Vehicle

Goods In Transit

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

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