What is Courier Insurance?

Insurance for couriers is a specific type of policy designed to cover people who deliver goods to other people for a living.

A good courier policy can be tailored to a drivers exact needs and can cover things such as parcels, a vehicle and even the driver.

Quite often it can be referred to as a hire and reward policy. If you already privately own the vehicle and had insurance, you may only require a goods in transit policy but we always recommend talking with our brokers to confirm this.

What cover will I need?

The specialist courier insurance brokers we work with can all provide the minimum legal cover requirement. You may though wish to consider some additional protection to ensure you can keep working.

Goods in Transit

As someone delivering parcels, you want to make sure that whatever you are delivering is covered against loss, damage or even theft. Legally the vehicle must be insured but you could take the risk of not insuring the goods carried. Although this is a cheaper option, should you lose an expensive parcel, you will be liable directly to pay for its replacement.

Goods in transit is there to pay out should something be lost or damaged whilst in your possession.

Vehicle Breakdown Cover

Make sure that your vehicle is covered against breakdown so in the event of a problem you can get back on the road quickly. Roadside assistance is very affordable when added on to your policy.

If you are a van courier, having your vehicle off the road for a number of days can be extremely expensive, you can apply for courier van insurance here.

Excess Protection

You can protect yourself against the cost of your insurance excess in the event of a claim.

Public Liability Insurance

A public liability policy will ensure that you are covered against any claims made against you by a member of the public.

Not all benefits apply to everyone and they will be dependent on your own circumstances – the broker providing you with your quote will explain what is pertinent to you.

Insurance for self-employed couriers

The large majority of drivers are in fact self-employed. Although they may deliver for companies such as Hermes or DPD, they are not directly employed by them and only gain work from them.

Because of this, self-employed drivers are directly responsible for their own insurance policy and this is something that we can help with.

Can I get Cheap Courier Insurance?

Your ability to get a cheap policy will come down entirely to your own risk profile. The cost of a policy is based on a number of things such as the average value of goods carried, the vehicle value, your own driving history as well as many other things

If you are a sensible and safe driver with a good history, then yes, you are likely to be able to get a cheaper policy.

It is also essential that you compare policies, by using a service like ours, we will look at your own individual needs and find you the best broker.

The brokers we use can also provide you monthly courier insurance. A policy for a new driver can be a little more expensive for the first year so paying monthly can help with this.

Courier v haulage?

Although definition varies between broker and insurer, generally it is expected that a courier will drop off at multiple locations where as a haulage driver will drive a long distance for 1 or maybe 2 drops.

A courier driver will also typically only get their schedule of drops on the day where a haulier will have their drops pre-planned in advance.

Why use us to find your policy?

We have a long standing relationship with many specialist brokers. We know exactly the sort of driver they are looking for and because of this, quickly transfer you to the brokers who can help you the most.

Because we know who will be best for you, we save you time by you not having to ring round multiple brokers, we already know and can connect you directly.

Our service is also free with no obligation!