Compare Courier Insurance Quotes

From delivering parcels to medical supplies, compare courier insurance policies from up to 5 insurance providers in a matter of minutes via Quote Goat.

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What Is Courier Insurance?

Courier insurance is a form of hire and reward insurance. It is a specialist insurance policy that is designed to protect people who make multiple deliveries daily. This type of delivery business insurance 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 doing delivery work on longer trips.

What is the difference between courier and haulage insurance?

Courier insurance is there for delivery drivers making multiple drop-offs per day, like Amazon or Uber Eats drivers. Haulage insurance is typically for lorries or delivery drivers making one or two large deliveries per day in the construction or agricultural sector.

What does a typical courier insurance policy include?

Courier insurance can be thought of as a combination of various covers, as discussed below.

Motor insurance for couriers

As with standard van insurance or car insurance cover, you can choose between three levels of insurance:

Third Party: Third party cover compensates for damage to other peoples’ property. It does not provide protection for damage to your own vehicle. This choice may be the minimum cover and might seem like you may save money, but it provides the least protection.
Third Party, Fire & Theft: Cover for third party, fire and theft is similar to third party cover, but it includes protection should your own vehicle be stolen or damaged as a result of a fire.
Comprehensive Cover: A comprehensive courier policy ensures you’re fully covered and includes all the benefits of the insurance packages above. It covers third parties and your own car when an accident occurs.

Hire and reward insurance

Hire and reward insurance, or class 3 business insurance, is a legal requirement for anyone delivering third-party goods or belongings in return for payment. However, it won’t cover the items you are delivering.

Goods in transit insurance

Goods in transit insurance protects you if you deliver goods and they are lost or damaged. Transit cover is not legally required, but you may still wish to opt for this additional cover. An established courier business may require you to have it before you work with them.

Public liability insurance

As with goods in transit cover, public liability insurance is not legally required. However, public liability insurance can protect couriers in the event of accidental damage or injury to members of the public and their property during work hours. Public liability may cover the damage to a car in the street if it was knocked by a package.

Employers liability insurance

Any courier business with employees is required by law to have employers’ liability insurance. Employer’s liability cover can protect your courier business from the financial impact of legal costs. This includes claims made by your employees on account of on-the-job accidents or medical expenses.

Other optional extras/add-ons

There is a range of optional add-ons when it comes to choosing an insurance policy to cover courier work. Some insurance policies may include these as standard and other courier insurance providers may charge for them. These are additional inclusions you may add to your one policy:

Breakdown cover – Covers breakdown assistance should your courier van break down. It will help you get back to your office or dispatch or to a garage in the local area.
Windscreen cover – This covers your windscreen if it is damaged or needs to be replaced.
No claims bonus protection – A no-claims bonus helps to reduce the cost of your insurance. By insuring it, you won’t lose your no-claims benefits if you need to make a claim.
Courtesy van/car – A courtesy vehicle will allow you to deliver parcels should your courier van need to be fixed.
Legal protection – This may compensate legal fees.

Get the cover you need and see if you can save via Quote Goat. Compare courier insurance quotes from multiple insurance providers with our partner's easy-to-use and speedy website.

What Types Of Courier Can Compare Through Quote Goat?

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:

Vans

Furniture removals, antiques, business goods, car parts, pallets, parcels, plant equipment, waste and more.

Cars

Amazon, Parcels, food deliveries, newspapers, medication, electrical equipment and more.

Motorbikes

Insurance for fast food apps such as Uber Eats and Deliveroo, takeaway restaurants, parcels, packages, newspapers & more.

Bicycles

Insurance for fast food delivery apps such as Uber Eats and Deliveroo, takeaway restaurants, packages & more.

Tips To Save Money On Your Courier Insurance Cover

Whether you are a self-employed courier or running a courier business, you’ll want to make sure you find cost-effective courier insurance that meets your needs without straining your budget.

One of the best ways to save is to compare quotes from multiple courier insurance providers.

Along with using a courier insurance comparison site, here are five other ways to help you find cheap courier cover.

Opt for black box insurance

Courier insurance coverage, including telematics, can help lower the cost by allowing your insurance provider to monitor your driving and usage. Safer drivers are rewarded with lower premiums by their courier van insurance cover providers.

Build up a no-claims bonus

No claims bonuses (for both your personal vehicle and your courier van) can contribute to your policy cost. Drivers with longer no-claim periods are usually rewarded with cheaper premiums.

Avoid unwanted extras

Only include necessary covers in your courier van insurance. Carefully check the wording of your policy before you get courier insurance to avoid inadvertently purchasing unnecessary add-ons at an additional cost.

Secure your vehicle

If possible, park your vehicle off the road overnight. Keeping your vehicle secure can reduce the likelihood of vandalism or theft.

Pay your premiums annually

Pay your premium annually to save on any interest charges incurred if you pay monthly.

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– Laura – Verified Customer

Frequently Asked Questions

What type of insurance do I need to be a courier driver?

Working as a courier driver 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 accidental damage, which is why a specialist cover is needed. As a result, a standard van or car insurance policy will usually not permit your personal car to be used for delivery work. Using your private car to carry goods without the correct insurance can invalidate your policy. Find courier insurance that matches the correct type of specialist cover your job requires.

What type of insurance do self-employed couriers need?

You need to set up suitable courier business insurance to protect yourself from potential risks that come with the job. The risks may seem like a lot to consider while looking for budget-friendly courier car insurance, but using Quote Goat can help streamline the entire process. Use our comprehensive comparison service to review and compare courier insurance quotes from multiple insurance providers and make a fully informed decision that aligns with your industry needs.

Can I insure multiple vehicles on one courier van insurance policy?

Most insurance providers will usually allow you to add up to 5 vehicles to your courier van insurance policy. However, if your provider does not offer this option, you should consider fleet insurance. Fleet insurance is often the most cost-effective way to cover all your vehicles. It’s convenient, and you can add multiple delivery drivers to your policy.

How old do I have to be to get courier insurance?

The minimum age limit varies according to each insurance provider. Typically, you need to be at least 18 to take out van insurance for your courier work. However, some insurance providers require you to be at least 21 years old before they provide any type of coverage. There is also a maximum age limit ranging from 65 to 75. This also depends on the terms and conditions set out by your chosen provider.

Can I get courier insurance that covers any driver?

Courier insurance typically requires named drivers, meaning each driver must be listed on the policy. However, please visit our Any Driver Van Insurance page to find out more about any driver policies. 👉 For non-courier use, explore our multi-driver van insurance policies.

What do I need to qualify for courier insurance in the UK?

In order to qualify for courier insurance in the UK, you need to:

Have a valid UK driving licence
Be of legal driving age (which can be 16 if you have obtained the enhanced rate of the mobility component of Personal Independence Payment or PIP)
An insurance provider will be looking for similar qualifications. It’s always best to check the provider’s exact eligibility criteria when using car courier comparison sites.

Written By Michael Foote, Insurance Expert

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