Courier Insurance
Compare courier insurance policies from up to 5 insurance providers in a matter of minutes.
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Compare courier insurance policies from up to 5 insurance providers in a matter of minutes.
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Courier insurance is a form of hire and reward insurance. It is a specialist commercial policy that provides protection for people who make multiple deliveries each day. It typically consists of three areas of cover: your vehicle, liability and the goods you are transporting. It is not to be confused with haulage insurance, which covers people making single deliveries on longer trips.
Courier insurance is there for delivery drivers making multiple drop-offs per day in comparison to haulage insurance which is typically for lorries or drivers making one or two deliveries per day.
Courier insurance can be thought of as a package of covers including motor, hire and reward, goods in transit & public liability as well as others. Here we look at each one in more detail:
Motor insurance for couriersAs with standard van insurance or car insurance policies you can choose between third party only (TPO), third party, fire and theft (TPFT) or comprehensive cover.
Working as a courier involves a lot of miles on the road, stopping and starting, driving in populated areas and often meeting tight deadlines. These factors increase the risk of an accident which is why a specialist cover is needed. As a result, a standard van or car insurance policy will usually not permit the vehicle to be used for courier work. Using your vehicle without the correct insurance can invalidate your policy.
Hire and reward insuranceHire and reward insurance is also known as class 3 business insurance. It is a legal requirement for anyone delivering goods or belongings in return for payment. However, it won’t cover the items that you are delivering, for this, you will need Goods In Transit insurance (see below). Hire and reward cover doesn’t just apply to couriers; taxi drivers, food delivery drivers and many others are required to have hire and reward insurance in place.
Goods in transit insuranceGoods in transit insurance provides protection for the goods you are delivering should they be lost or damaged. It is not legally required but you still may wish to include it as part of your policy. Some employers will require you to have it before you work with them.
Public liability insuranceAgain, public liability insurance is not a legal requirement but it can protect you in the event of damage or injury to members of the public and their property whilst you are at work. An example of this may be damage to a car in the street as a result of it being knocked by a package you are delivering.
Employers liability insuranceIf you run a courier business with employees, you will be required by law to have employers’ liability insurance in place.
There are a range of optional extras or add-ons that you may wish to consider when it comes to choosing an insurance policy. Below are 5 examples of typical optional extras/add-ons. Some policies may include these as standard, and other policies may charge for them, so it is worth keeping them in mind when deciding where to purchase your cover from.
The quote form is designed to be suitable for any type of courier from parcels to specialist deliveries such as hazardous chemicals and everything in between including:
Furniture removals, antiques, business goods, car parts, pallets, parcels, plant equipment, waste and more.
Amazon, Parcels, food deliveries, newspapers, medication, electrical equipment and more.
Insurance for fast food apps such as Uber Eats and Deliveroo, takeaway restaurants, parcels, packages, newspapers & more.
Insurance for fast food delivery apps such as Uber Eats and Deliveroo, takeaway restaurants, packages & more.
Whether you are a self-employed courier or running a courier business, you’ll want to make sure you are keeping costs down.
One of the best ways to save money is to compare courier insurance quotes from multiple providers. Our quote form makes this easy by allowing you to compare quotes from up to 5 specialist courier insurance providers in one place.
As well as using a comparison site, here are 5 other ways to help you find cheap courier insurance quotes.
1
A policy that includes telematics can help lower the cost by allowing your insurance provider to monitor your driving and usage. Safer drivers are rewarded with lower premiums.
2
No claims bonuses (for both your personal vehicle and your courier cover) are a factor that contributes to the cost of your policy. Drivers that have built up longer no claims periods are usually rewarded with cheaper premiums.
3
Only include necessary covers in your policy. Carefully check the wording of your policy before you purchase to make certain that you are not inadvertently purchasing unnecessary add-ons.
4
If possible, park your vehicle off road overnight as this can reduce the likelihood of vandalism or theft.
5
Pay your premium annually to save on any interest charges incurred if you pay monthly.