Fleet Insurance : Courier Insurance

Get a quick courier fleet insurance quote, call 01489 250 940

We have strong relationships with a number of carriers and compare courier fleet insurance quotes from our panel of leading UK insurance providers.

We compare multiple policies for you, looking at the top deals for your unique business. As specialists in niche insurance markets, we can negotiate better terms and tailor policies to your individual operations.

We understand that no two courier operations are the same, which is why we take the time to understand what you carry, where you operate and the type of vehicles you use.

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What is Courier Fleet Insurance?

Courier fleet insurance is specialist cover for businesses operating multiple vehicles to deliver parcels, packages and goods to customers. It can cover a range of vehicles and drivers under a single fleet policy, providing a simpler and more flexible solution than insuring each vehicle individually.

Cover can be tailored to the way your courier business operates, whether you run a small number of vans or a larger delivery fleet, and may include protection for road risks, goods in transit and other liabilities depending on your requirements. It is designed to help keep your vehicles, drivers and delivery operations protected while your fleet is on the road.

Our policies are built around the realities of courier work, including high mileage, frequent stops, time-sensitive deliveries and the need for hire and reward cover.

Courier fleet insurance is ideal for:

• Courier companies running multiple vans
• Delivery and logistics businesses
• Parcel and e-commerce delivery fleets
• Delivery Platforms such as Amazon, DPD, Hermes
• Multi-drop, regardless of daily volume
• Same-day delivery companies
• Growing courier businesses with multiple drivers

Specialist Quotes for Delivery Businesses

As specialist Courier Insurance brokers, our policies are designed specifically for commercial courier fleets, including the likes of Amazon and DPD Delivery Service Platforms.

For courier businesses, the vehicles are only part of what needs protecting. You may also be responsible for carrying valuable, time-sensitive or important goods, making it essential to have insurance that reflects the specific risks of your operation.

With your business relying on vehicles being on the road and deliveries reaching their destinations safely and on time, having dependable courier insurance in place is vital. The right cover can help protect your business against the unexpected and keep your delivery operation moving.

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.

How to Reduce Your Courier Fleet Premium

From an insurer’s perspective, courier fleet insurance can present a higher level of risk. Vehicles often cover significant mileage, operate to tight delivery schedules and may be driven by a number of different drivers. These factors can influence the cost of cover, but there are several practical measures operators can take to help manage and reduce their insurance premiums:

• Install telematics or dashcams across the fleet
• Implement a formal driver vetting and licence check process
• Maintain a documented vehicle maintenance and inspection log
• Review your claims history and address recurring incident types
• Consider a voluntary excess to reduce the base premium
• Consolidate all vehicles onto a single fleet policy to maximise fleet discounts
• Use a specialist broker, such as ourselves, with access to courier fleet underwriters

Get a Courier Fleet insurance quote

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

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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. 

How much does Courier Fleet Insurance cost?

The cost of courier fleet insurance depends on factors including the number and type of vehicles, annual mileage, the value of goods carried, the experience and ages of your drivers, delivery areas covered and your previous claims record.

Courier fleet v haulage insurance, what’s the difference?

They are different types of business and so require different policies. A courier delivers to several places per journey, whereas a haulier generally delivers to one or two fixed destinations.

Can I add seasonal vehicles to my courier fleet policy?

Yes. Fleet insurance policies can often be adjusted throughout the policy period to add or remove vehicles, making them a flexible option for courier businesses that expand or reduce their fleet at different times of the year. Any changes to the fleet may result in a pro-rata adjustment to the premium.

Do I need courier fleet insurance if I use self-employed drivers?

If you use self-employed drivers who operate vehicles owned by your business, it’s important to check that your fleet policy allows them to drive those vehicles. Some insurers may limit cover to employees only.

Where self-employed drivers use their own vehicles, they will generally be responsible for arranging their own insurance. However, you should make sure their policy provides the appropriate hire and reward cover for the delivery work they carry out on your behalf.

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.

Can I pay my courier insurance policy 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.

How can I get a quote?

To find out more, call one of our courier fleet advisors on 01489 250 958, they will be happy to answer any queries you may have.