From delivering parcels to medical supplies, compare courier insurance policies from up to 5 insurance providers in a matter of minutes via Quote Goat.
One short courier insurance quote formSuitable for all types of courierYou could save time and money
Provide details about you & your vehicle
Compare courier insurance prices & policy features
Purchase courier insurance cover from your preferred provider
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.
Courier insurance is often presented as a simple online quote, but in reality insurers are trying to understand three core things: the vehicle being used, how the work is carried out, and who is responsible for the policy. This is how courier insurance comparison works in practice.
This stage covers the basics of the vehicle being insured, including the type of vehicle, registration number, make and model, and approximate value.
From experience, this information does more than identify the vehicle. Insurers use it to assess repair costs, parts availability and how suitable the vehicle is for courier work.
One thing that often surprises drivers is that newer or higher-value vehicles do not always result in cheaper premiums. In some cases, insurers view them as higher risk due to repair costs and downtime.
This section focuses on how the vehicle is used day to day. It includes the type of goods being carried, operating area, years the licence has been held, no claims discount, cover type (for example comprehensive or third party), and any claims or convictions.
For courier policies, this is usually where pricing changes the most. Insurers place significant weight on what is being transported and how far the vehicle is travelling. Local multi-drop work is often assessed very differently to regional or nationwide deliveries.
We regularly see delays caused by underestimating mileage or being unclear about goods carried. These details often need to be clarified later by phone, so accuracy here helps speed the process up.
It’s also worth noting that driver details such as claims history and convictions can carry more weight in courier insurance than in standard vehicle policies.
This final step captures the policyholder’s details, including name, telephone number and email address.
Courier insurance cannot be arranged anonymously. Insurers are regulated and need a responsible individual to confirm details, discuss exclusions and make sure the policy reflects the work actually being carried out.
In practice, after submitting the form, most courier drivers are contacted by one or two relevant providers rather than multiple companies. The conversation is usually short and focused on confirming any missing details and ensuring the cover is suitable before a quote is finalised.
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.
Courier insurance can be thought of as a combination of various covers, as discussed below.
As with standard van insurance or car insurance cover, you can choose between three levels of 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 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.
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.
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.
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:
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.
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.
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.
1
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.
2
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.
3
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.
4
If possible, park your vehicle off the road overnight. Keeping your vehicle secure can reduce the likelihood of vandalism or theft.
5
Pay your premium annually to save on any interest charges incurred if you pay monthly.
Everything was clear and the site was easy to navigate.
Very good and excellent service. Thank you very much indeed, once again thank you.
A excellent service and was very easy to sort out.
