Courier Insurance

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What is courier insurance?

Courier insurance provides cover for individuals or businesses that pick-up and/or deliver goods in return for payment. It typically consists of three areas of cover: your vehicle, liability and the goods you are transporting. 

Why compare with Quote Goat?

Working as an courier driver can be challenging as well as rewarding, delivering items in a fast-paced environment with deadlines to meet. So, when it comes to finding insurance for your work, make your life that bit easier by using Quote Goat.

Whether you carry goods via bike, car or van we work with a panel of insurance brokers that specialise 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 insurance providers compete 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 courier. But you may be wondering what types of cover are required. Below we look at some potential covers that can be included in your policy. However, do not be concerned if you are unsure as to what cover you need to include – you’ll discuss this with an expert when you arrange your insurance.

Motor insurance

Couriers need a specialist insurance policy as most standard insurance policies don’t cover carrying other people’s goods for hire and reward

Goods in transit insurance

Although optional, you may consider goods in transit insurance to cover the items you are delivering on your customer’s behalf. Otherwise you could 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.

How can I find cheaper courier insurance?

As well as comparing quotes for different providers each year, the following tips may help you reduce the cost of your courier insurance cover:

  1. Build up a no claims bonus:
    Having a no claims bonus demonstrates to courier insurance providers that you are less likely to make a claim on your insurance policy which will usually make it cheaper to get insurance.
  2. Avoid over-insurance
    Lots of insurance policies, including courier insurance, can come with bundled insurance products that you may already have elsewhere. An example of this, may be breakdown cover being included in your courier insurance policy as well as your bank also covering this with a reward current account.
  3. Overnight parking
    Whether your courier work is in a van, car or motorbike, it pays to leave your vehicle in a safe place over night. Keeping your vehicle off public roads over night can help to make your courier insurance cheaper.

Why is courier insurance often so expensive?

Firstly, 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.

Young driver courier insurance

Finding courier insurance as a young driver can be a challenge. If you do, you may discover that policy prices are higher than you thought. If you are young driver you may find the following tips useful to help reduce your premiums:

Use a vehicle with a lower insurance group: If you have not yet bought your vehicle, you could make a saving on your courier insurance by choosing a vehicle within a lower insurance group. Every vehicle in the UK is put into an insurance group between 1 and 50. In general, a vehicle in a lower group will cost less to insure.

Make use of technology: it is worth discussing this with a broker once you submit the quote form, however you may find that you have the option of a black box being installed in your vehicle which could help to reduce your premiums. As well as this, having additional security features on your vehicle such as a dash cam and anti-theft devices like immobilisers can also help reduce quotes. However, before you spend money on these extras, check that it will actually pay off.

Don’t over insure: try and be as accurate as possible when it comes to working out your predicted mileage and working hours. If this is a part-time job then you will want to make that known to the insurance provider when you speak to them as this may help reduce your premiums. Also, make sure that you do not already have some forms of cover from other services – banks, for example, sometimes offer breakdown insurance with premium bank accounts.

Cut through time-wasting, complicated quote forms and let Quote Goat help you to reduce costs. From parcel delivery to fast food delivery insurance, see how much you can save with our courier insurance comparison service.

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.