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What is courier insurance?
Courier insurance covers you from the risks your face whilst picking up and delivering goods across the UK. Couriers typically pick up and drop off at multiple locations, with insurance designed for the type of goods you carry.
It’s a legal requirement for couriers to obtain insurance for their vehicle. It’s important to note commercial van insurance is not suitable for couriers—you need specialist courier insurance for this purpose.
Additionally, it’s good business practice to acquire insurance for the goods you’re transporting (goods in transit insurance) and for public liability (in the event of accidents, theft, loss or property damage). Whilst neither are legal requirements, they are advisable.
Goods in transit insurance
Goods in transit insurance is required for many businesses using your services, who want to see this cover in place in case of damage to their goods.
Likewise, without public liability insurance you could be liable for the legal and settlement costs if a member of the public suffers an injury related to your work. These costs could be considerable.
What type of insurance does a courier need?
With courier insurance, you’ll be able to legally carry out the pick-up and drop-off of goods for hire and reward. The types of policies you’ll need as a courier range from cover for your van to cover for the goods you transport.
To become a legally insured courier, you need to ensure you have the right type of insurance for your needs. You can compare the market with our panel of insurers to find policies available to meet your needs.
This applies to a courier business or self-employed courier insurance. You’ll need to acquire:
- Vehicle insurance (needed by all couriers)
- Public liability insurance
- Employers’ liability insurance
(mandatory for almost all businesses with employees, with limited exceptions)
- Motor insurance
- Goods in transit insurance
- Light haulier insurance (a separate product for long distance deliveries)
- Courier van insurance
- Fleet insurance
How much does courier insurance cost?
The cost of courier van insurance depends on many factors, including:
- The level of cover selected—third-party, third-party fire and theft or comprehensive cover.
- The age of named drivers.
- Your claims history.
- The type of vehicle(s) you insure.
- The number of vehicles, if you have a fleet.
How to secure a courier insurance
To secure a courier insurance deal that meets your business needs, your best course of action is to let our courier insurance specialists search for a deal to meet your requirements.
This way, you can find the cheapest courier insurance from our panel of insurers, although always ensure the cover you select is appropriate for your needs.
The benefits of courier insurance
- Comply with UK laws for courier van insurance
- Cover the cost of damages for vehicle
- liabilities, goods in transit, public liability cover and more.
- Protect your business interests.
- Get peace of mind.
Why choose us?
Not sure which cover you require?
Call us on 0114 261 2020 for an immediate quote.
Our team of dedicated sales experts will take you through the process of setting up your insurance policy—from quote to inception. We can also offer advice after you take out your policy with us.