Written by Michael Foote, Insurance Expert
Does Staveley Head Offer Courier Insurance?
Staveley Head provides courier insurance for UK delivery drivers, including hire and reward activities, goods in transit, and public liability cover. The commercial insurer works through specialist brokers, offering tailored policies for self-employed couriers, van drivers, and multi-drop operators.
Staveley Head specialises in commercial vehicle risks, making it a solid option for drivers who need more than standard van cover.
Who Staveley Head Courier Insurance Suits
This type of policy works well for:
- Self-employed couriers delivering parcels for networks such as DPD, Evri, or Amazon Flex
- Multi-drop delivery drivers carrying goods for multiple clients
- Drivers who need hire and reward cover alongside goods in transit protection
- Light haulage operators moving lower-value goods
- Couriers who have struggled to find cover through mainstream insurers
Who It May Not Suit
Staveley Head policies may not fit if you:
- Only drive occasionally for personal use without commercial needs
- Want the cheapest possible premium without broker involvement
- Need same-day online quotes without speaking to an intermediary
- Want to insure very high-value goods or specialised cargo requiring bespoke underwriting
- Have multiple claims or convictions outside their underwriting criteria
Common Reasons Drivers Are Declined or Pay More
Several factors can result in higher premiums or decline:
- Multiple speeding convictions or serious motoring offences within three to five years
- Recent claims history, particularly fault claims involving theft or total loss
- Young or newly qualified drivers under 25 with limited no-claims bonus
- Operating in high-risk postcodes with elevated theft or accident rates
- Gaps in previous insurance cover or undisclosed past cancellations
- Failure to declare all drivers who will operate the vehicle
- Insuring a modified van without prior disclosure
- Carrying high-value goods that exceed standard policy limits
What to Check Before Buying Staveley Head Courier Insurance
Before committing to a policy, review the following:
- Hire and reward limits: Confirm the policy covers paid courier work, not just social use
- Goods in transit cover: Check the maximum value insured per load and whether you need additional cover
- Public liability inclusion: Ensure third-party injury or damage claims are covered if you enter client premises
- Excess amounts: Understand how much you will pay towards a claim, especially for theft or fire
- Named drivers: Verify that all regular drivers are listed and rated on the policy
- Annual mileage: Declare accurate mileage to avoid underinsurance issues
- Policy exclusions: Look for restrictions on goods carried, such as food, fragile items, or high-value electronics
- Claims process: Ask how quickly claims are handled and whether a courtesy van is provided
- Broker fees: Some policies sold through intermediaries carry additional admin or arrangement fees
Our Expert, Michael Foote, Says:
“Staveley Head can be a strong option for couriers who need commercial cover but may not fit the standard high street insurer profile. Always check the goods in transit limit matches what you carry daily, as underinsurance can leave you seriously exposed if something goes wrong on a high-value load.”
Alternatives If Staveley Head Is Not Suitable
If Staveley Head does not meet your needs or declines your application, consider these alternatives:
- Aviva courier insurance: A mainstream insurer offering courier cover through selected brokers
- AXA courier insurance: Another well-known brand with commercial vehicle schemes
- Specialist courier brokers: Many brokers access multiple underwriters and can find cover if one insurer declines
- Trade policies: If you operate multiple vehicles, a fleet policy may offer better value and simplified administration
- Temporary or short-term cover: Useful if you need insurance for a specific contract or trial period before committing annually
Frequently Asked Questions
Does Staveley Head insure new drivers with less than one year of experience?
Staveley Head may consider new drivers, but premiums are likely higher. Expect to provide full details of your driving history and any previous claims, even if you held cover under someone else’s policy.
Can I add goods in transit cover to an existing Staveley Head van policy?
If you already hold a commercial van policy with Staveley Head, you may be able to add goods in transit cover mid-term. Speak to your broker to confirm availability and any additional premium.
What is the maximum goods in transit limit available with Staveley Head?
Limits vary depending on the scheme and goods you carry. Standard policies may cover up to £5,000 or £10,000 per load, with higher limits available on request. Always declare the true value of what you transport.
Does Staveley Head cover food delivery drivers?
Yes, Staveley Head can cover food delivery drivers, including those working for platforms such as Deliveroo, Uber Eats, or Just Eat. You will need hire and reward cover, and you should check whether the policy includes hot food or insulated bag requirements.
Are modified vans covered under Staveley Head courier insurance?
Modifications must be declared at the point of quote. Some cosmetic changes may be accepted, but performance modifications or significant alterations to the vehicle structure could result in higher premiums or decline.
Can I get monthly payment options with Staveley Head?
Many brokers offer monthly payment plans for Staveley Head policies, though interest or arrangement fees may apply. Always compare the total cost of paying monthly versus paying the full annual premium upfront.
Does Staveley Head provide cover for drivers with convictions?
Staveley Head may consider drivers with motoring convictions, depending on the type and number of offences. Minor speeding convictions are more likely to be accepted than drink-driving or dangerous driving offences.
What happens if I do not declare all my courier work to Staveley Head?
Failing to declare courier work or the full scope of your commercial activity can void your policy. If you make a claim and the insurer discovers undisclosed information, they may refuse to pay out and cancel your cover.
Is breakdown cover included with Staveley Head courier insurance?
Breakdown cover is not typically included as standard but can often be added for an additional fee. Given your reliance on your vehicle for income, it is worth considering, especially if you operate in remote or high-mileage areas.
How do I make a claim with Staveley Head?
Claims are usually handled through the broker who arranged your policy. Contact them as soon as possible after an incident, and provide all relevant documentation, including photos, third-party details, and any police reference numbers.
Get a Quote for Courier Insurance Today
Whether you are considering Staveley Head or comparing other specialist courier insurers, get a policy that matches your working patterns and the goods you carry. Use the quote button at the bottom of the screen to compare courier insurance options tailored to UK delivery drivers. The right cover protects your income, your vehicle, and your business from unexpected costs.