Written by Michael Foote, Insurance Expert
Does Aviva Offer Courier Insurance?
Aviva is one of the UK’s largest insurers, but does not sell standalone courier insurance directly to individual drivers through standard online channels. Aviva provides commercial vehicle insurance and goods in transit cover, but these policies are arranged through brokers or tailored for fleet operators, not sold directly to sole traders working for Amazon Flex, DPD, or similar networks.
Searching for courier insurance on Aviva’s website typically redirects to commercial van insurance options. These may include hire and reward use, essential for couriers, but the policy must be specifically endorsed for your delivery work.
What Aviva Commercial Van Insurance Typically Includes
Aviva’s commercial van policies can include:
- Hire and reward cover for paid delivery work
- Driving other vehicles cover (if selected)
- Breakdown cover (optional extra)
- Legal expenses cover
- Protected no-claims discount
- Windscreen repair and replacement
The core policy covers third-party liability and vehicle damage (with comprehensive cover selected). However, goods in transit insurance, often required by courier networks, is not automatically included.
What Aviva Does Not Automatically Cover
Even with hire and reward included, the following require specific additions:
- Goods in transit insurance for parcels or food you carry
- Public liability insurance for injuries or property damage during loading or unloading
- Employer’s liability cover (if you employ other drivers)
- Tools or personal belongings stored in the van
You may need separate goods in transit insurance, either through Aviva or another provider, depending on goods value and delivery company requirements.
How to Get Aviva Courier Insurance
Aviva does not offer a direct online quote system for couriers. You will need to:
- Contact Aviva by phone
- Speak to a commercial insurance broker who works with Aviva Mo
- Provide detailed information about your vehicle, driving history, and courier work type
- Request hire and reward use, plus additional cover such as goods in transit
Brokers access Aviva’s commercial underwriting team and can arrange policies unavailable through the main website, useful for multiple drivers, modified vehicles, or claims history.
Who Might Consider Aviva for Courier Cover
Aviva may suit you if you:
- Already hold an Aviva policy and want consolidated insurance
- Operate a small fleet requiring scalable commercial cover
- Prefer a large, established insurer
- Work with a broker offering competitive Aviva rates
However, Aviva is not always the cheapest for sole traders or part-time drivers. Specialist courier insurers often provide more flexible policies designed for multi-drop drivers, Amazon Flex contractors, or food delivery drivers using their own vehicle.
What to Check Before Buying
Before committing to any policy, confirm:
- Hire and reward cover is explicitly stated on the policy schedule
- The goods you carry are covered, including high-value items
- Goods in transit cover meets courier network requirements
- Public liability insurance is included or available as an add-on
- The policy does not exclude your specific platform or client (Amazon Flex, DPD, Uber Eats)
- Mileage limits suit your annual workload
- The excess is affordable if you claim
- You understand common exclusions for couriers
Alternatives to Aviva for Courier Drivers
If Aviva does not offer the right policy or price, consider insurers and brokers specialising in courier and delivery driver cover. These providers offer policies designed for:
- Self-employed multi-drop drivers
- Food delivery couriers using their own vehicle
- Part-time parcel drivers working evenings or weekends
- Drivers under 25 or with penalty points
Compare specialist courier policies through QuoteGoat, which includes providers who understand delivery work risks and requirements. Many offer instant online quotes, flexible payment options, and policies with goods in transit cover as standard.
Final Considerations
Aviva is a reputable insurer with a strong UK presence, but their commercial van insurance is not always tailored for individual courier drivers. If you choose Aviva, expect to speak with a broker or commercial underwriting team, and ensure all necessary cover is added.
For courier insurance that is simple to arrange, affordable, and designed for your work type, compare quotes from multiple providers before deciding.