Courier Van Insurance

Do I need courier insurance?

Not only are you legally obligated to have courier insurance if you’re earning money by transporting goods which are not your own, this insurance is also vitally important to have to ensure that you have protection in case your van is damaged or causes damage to another vehicle whilst out on deliveries.

The type of deliveries you’re making and the distance you drive to make them can also impact what insurance policies you’ll need. For instance, for longer distance deliveries, you may need some form of haulage insurance to ensure you’re covered, likewise if you're a self-employed courier, you may a unique type of courier driver insurance. Temporary courier insurance is also an option if you're looking for short term cover.

It's also a legal requirement to have at least third-party motor insurance in order to be able to drive vehicles on UK roads.

How much does courier insurance cost?

As all couriers operate in their own unique ways in a wide range of different areas, it’s hard to estimate exactly how much a policy will cost, per courier.

Premium costs can also depend on:

• The type of deliveries you’re making (what are the goods you’re transporting?)
• The number and type of vehicles you’re operating as part of your courier company
• The age and experience of the van drivers
• The distances and radius of which they’ll travel.
• The level of cover selected
• The policy excess selected

There’re also ways you could potentially reduce the price of your courier van insurance premium, whether that be installing telematics to help insurer’s monitor your driving performance or upgrading your van’s security features.

Ultimately, to get a clearer idea of how much you could expect to pay for your van courier insurance policy, speak to an insurance professional or a member of an insurance broker’s team, such as ours. We can help you find a courier van insurance quote that suits your budget, and also don’t force you to compromise on cover.

What is hire and reward insurance?

Hire and reward insurance and courier van insurance are the same insurance product, they are just referred to as each other throughout the industry. They’re both specialist forms of business van cover, and whether you call it hire and reward, or courier van, you need this policy if you’re being paid to make deliveries, typically when operating in a relatively small area.

Do I need goods in transit insurance?

The need for goods in transit cover depends on your specific circumstances and the nature of your business. Goods in transit insurance is typically recommended for individuals or companies involved in transporting goods from one place to another, and this type of insurance can provide coverage for potential losses or damages to the goods while in transit, such as theft, damage from accidents, or other unforeseen events.

If you regularly transport goods as part of your business, it's wise to consider goods in transit insurance to protect yourself and your clients against potential financial losses. However, the necessity of goods in transit cover may vary based on your industry, the value of the goods you transport, and other factors. It’s also not legally required.

Can I get courier insurance for my car?

If you want to use your car to make deliveries, whether you’re only transporting a couple items or make food deliveries, there are car insurance policies available that can provide you with the protection you need as a courier.

These policies have been referred to as delivery insurance for car drivers, car courier insurance, or carriage of goods for hire and reward cover, but either way, they all offer the same thing, providing comprehensive insurance cover for anyone that uses their car to deliver third party goods.

Like courier van insurance, you can opt to have either comprehensive, third party, fire & theft, or just third party cover to protect you, your car, and third parties. To find out more about this type of courier insurance cover, get in touch with us, and we can discuss with you some ways we can protect you whilst you’re out on the road, in your car, making deliveries.

Will my policy include public liability insurance?

Many insurers, as part of their courier insurance policy packages, will offer public liability insurance as a potential policy add-on or additional cover option. Courier insurance protects both you, your courier drivers and your business in the event that someone attempts to file a lawsuit against you for injuries, property damage, or illness.

As a courier, there are numerous situations where public liability insurance could prove invaluable. Examples include:

1. Accidentally causing damage to valuable items while on someone's property during a delivery.

2. Placing a parcel on the pavement, leading to a cyclist colliding with it and sustaining an injury.

3. Colliding with a pedestrian while carrying a bulky parcel during a delivery to a property.