If you’re a courier trying to compare the best quotes for any type of courier insurance, you’re in the right place.
Whether you carry goods via bike, car or van we have built a panel of insurance brokers specialising in courier insurance.
The trick to finding a great deal is to shop around, but this can be time consuming; all that hassle getting multiple quotes, filling out forms and finding the best insurance firms to speak with – who has time for that?
Quote Goat helps by working with a panel of courier insurance providers. Just fill out our short form and we’ll do the work for you. Sit back and relax whilst brokers compete over each other for your business.
Do I need special insurance to be a courier?
With the rise of online shopping and the gig economy, it seems like there has never been a better time to become a delivery driver. But you may be wondering what sort of insurance is required.
Couriers need a specialist insurance policy as most standard insurance policies don’t cover carrying other people’s goods for hire and reward. If you don’t already have a policy, Quote Goat can provide you with affordable quotes for specialist courier insurance.
Goods in transit insurance
Although optional, you should consider goods in transit insurance to cover the items you are delivering on your customer’s behalf. Otherwise you will be out of pocket in the unlikely event packages are damaged or stolen.
Public liability insurance
Again, this is optional, but public liability insurance will protect you in the event you accidently injure someone or damage their property.
Employer’s liability insurance
If you have any employees, you are legally required to have employer’s liability insurance. This isn’t required for self-employed drivers.
Why is courier insurance expensive?
First, couriers are experienced drivers due to being on the road for most of their job. However, this means they are driving more often than most drivers and therefore statistically more likely to be involved in an accident, no matter how careful they may be. The fact that they drive from one unfamiliar location to another and often in busy city traffic only adds to this.
Vehicles used by couriers tend to be vans or trucks which are perceived as a higher risk by insurers, being larger and heavier than your average car and likely to sustain and inflict more damage.
Courier’s vehicles are often a target for thieves looking to steal high value packages when drivers leave vehicles unattended while a delivery is being made. You are responsible for the care of packages in your custody and in the unfortunate event an item is stolen, you will have to cover the cost yourself unless you have goods in transit cover. The additional cost is still potentially cheaper than paying for losses of goods yourself. This isn’t standard in all policies and may be an optional extra, so it’s worth checking your policy wording.
Courier insurance may include public liability insurance to protect you in case a member of the public makes a claim against you. Although worthwhile, it will increase the overall cost of your policy compared to a standard policy which may not have this type of protection included.
For these reasons, courier insurance is most likely going to be more expensive than standard business cover. This is only amplified if you are a young driver or have convictions.
Cut through time-wasting, complicated quote forms and let Quote Goat help you to reduce costs. From parcel delivery vans or hot food delivery scooters, try us for your courier insurance needs.