• Motor Fleet Insurance
  • Business Insurance : Motor Fleet Insurance : Courier Insurance

  • Courier Insurance

  • Courier insurance with Bluedrop includes fleets of any size from 3 or more courier vehicles, offering coverage options for small to large scale courier businesses. Our courier packages can be tailored to your needs, and offer additional cover options from standard fleet insurance, such as goods in transit and liability are available on request.

    Bluedrop’s courier insurance will cover a mix of vehicle types and sizes under one policy, so if your fleet includes a combination of motorbikes, cars, vans and trucks, one policy will cover all.

    The vast majority of standard vehicle insurance will not insure the contents of your vehicle if you are delivering this for ‘hire or reward’, which is why courier insurance is a specialist product and important to have in place.

    There are unique risks that courier businesses take on board every day, so it is important that you have the right level of insurance in place to suit your needs. Read our guide to getting the right courier van insurance in place. Our courier insurance can help you protect both your packages and your customers from loss, damage or theft.

    • Our courier insurance includes...

    • Features and benefits:

      • Any geographical area
      • Any occupation
      • Any use
      • We can offer a true any driver policy incl. young drivers
      • Convert from bonus rated to fleet rated
      • Mix of any vehicles i.e. vans , cars & trucks on the same policy
      • Goods in transit & liability can be quoted
    • As insurance specialists we offer:

      • Fast & efficient documentation issuing
      • Fast turnaround quotation process
      • Flexible payment terms
      • Fleet management advice
      • 24hr claims service

      Additional cover options are available on request.

          • Courier insurance FAQs

            If you're operating as a courier driver then there are specific insurances that you need to have in place to protect your business.

            Courier insurance

            Courier insurance is a specialist product. It's important to have in place if you are using your vehicle for courier services. It covers vehicles for any damages or accidents that may occur during multiple drop-off points for deliveries on behalf of clients. It is also suitable for businesses who operate a fleet of three or more courier vehicles.

            Goods in Transit

            Goods in transit insurance is an add on to courier insurance to protect the parcels you carry in your vehicle. If any parcels suffer damage or are lost - Goods in Transit insurance will help cover the costs.

            Public liability

            You might also want to consider public liability insurance; this will help to cover you in the event of any injuries you may cause to the public or damage to their possessions. It is not a legal requirement, but it's advised for businesses that interact with members of the public.

            Frequently asked questions about Courier Insurance

            What is courier insurance?

            Motor insurance is required by law. Courier insurance is a specialist motor insurance. It covers your vehicle for when you are driving to different drop off-points to delivery clients parcels. You are at more risk of accidents if driving around to various locations throughout the day, which is why Courier insurance is designed for those making deliveries.

            Haulage insurance is also a carriage of goods for hire and reward insurance, but covers specifically larger vehicles, usually weighing over 7.5 to 44 tonnes. Haulage Insurance can cover the UK to EU use. If you have a fleet with different sized vehicles, Bluedrop still offers courier and haulage insurance under one policy.

            Do you need courier insurance if you have van insurance?

            Typical Van insurance will not protect you from doing your usual work as a courier. You will not need van insurance as well as courier insurance. If you only use your vehicle(s) to make deliveries, then Courier insurance is the actual cover you will need. You can purchase additional extras like goods in transit and public liability to help protect other areas of your business.

            What's the difference between courier and van insurance?

            The main difference is courier insurance covers you for “carriage of good for hire and reward”. Whereas standard van or vehicle insurance is designed to cover those who use their vehicle for personal driving to and from locations with no additional risks.

            What types of vehicle can I use as a courier?

            You can use any vehicle, from small to large, a bike or a van. However, you may need a different type of insurance, depending on the type of vehicle. For example, Heavy Good Vehicles that weigh over 3.5 tonnes will need Haulage Insurance. It's similar to courier insurance but is a policy meant for larger vehicles. However, if your fleet is a combination of different vehicle types, then one policy will cover all.

            I work for a major delivery service and use my own vehicle, can you help?

            Yes – we are happy to help find insurance for courier drivers who work for local depots. We can work with you to ensure you have the right policy in place.

            Can I get courier insurance on a leased vehicle that I use for courier work?

            As long as you have the lease for 12 months or over, we can help secure courier insurance on your lease vehicle.

            Can I pay for courier insurance in full or monthly? 

            Overall, the insurance costs work out cheaper if paid in full, but there are monthly payment options available if this works better for you, subject to status.

            Will courier van policy provide cover for the parcels I'm carrying?

            No, to insure the items you are carrying for delivery, you will need to purchase goods in transit insurance. This comes as an additional extra to courier insurance and covers you from any damages or loses that may occur when carrying customers deliveries in transit.

            How can I get a quote?

            You can find out more about our Courier insurance, or you can call a member of our team on 01489 222 382, they will be happy to answer any queries you may have.

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