Business Insurance : Motor Fleet Insurance : Courier Insurance

Elements of Courier Insurance

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

It is important to have insurance for courier fleets 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. Courier fleet insurance is 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. It is not a legal requirement, but it's advised for businesses that interact with members of the public. It insures you for any damage done to the goods you transport or injuries caused to a member of the public as a result of your goods.

Get a Courier Fleet insurance quote

To arrange a no obligation courier fleet insurance quote please call our team on 01489 250 942

Frequently asked questions about Courier Fleet Insurance

What is courier fleet insurance?

Motor insurance is required by law. Courier insurance is a specialist motor insurance. It covers your fleet of vehicles when you are driving to different drop off-points to deliver clients parcels. You are at more risk of accidents if driving 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 and more commonly involving one large delivery. Haulage Insurance can cover the UK to EU use. 

What's the difference between courier fleet and van fleet 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.

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.

How can I get a quote?

To find out more, call one of our courier fleet advisors on +441489780491, they will be happy to answer any queries you may have.