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Courier Insurance

Why Use Quotesearcher

  • One stop solution for all your insurance needs
  • No need to shop around to find the best deal
  • Only deal with UK leading insurers

Whether you use a bicycle, motorcycle, car, van or truck, the basis of courier work is the same. You are responsible for the safe carriage and delivery of goods or packages which do not belong to you. If anything does happen during the journey and your cargo ends up being damaged, you could be held personally responsible and it could get very expensive indeed.

Thieves also frequently target courier vehicles, and if your van is broken into you will have to cover the cost of repairing the van as well as replacing the stolen cargo.

Couriers do high mileage, which increases the chance of them being in an accident as they are on the roads more. City driving is difficult and dangerous, and if you do have an accident where a pedestrian sustains injuries, you can be liable for medical and compensation costs.

That is why we would recommend buying a courier insurance policy. It is a little peace of mind, helping to take the edge off a very stressful job.

Levels of Cover

When it comes to insurance, people often make one of two common mistakes; they either over-insure or under-insure themselves. The former just means that you are paying for policy features which you do not need, the latter means you do not have sufficient cover so when it is time for you to make a claim your policy might not even pay out.

As with any type of vehicle insurance, there are 3 levels of cover available:

  • Third party only – covers any damage you cause to the property of a third party or any injuries they incur
  • Third party, fire and theft – the above, with the addition of damage caused by fire or theft
  • Fully comprehensive – covers damage to your own vehicle and covers you in situations where you are the one at fault.

Policy Features

Below is a list of the most common features offered as part of a courier insurance policy.

Vehicle Insurance

Your vehicle is your livelihood, and the longer you are off the road the longer you are not earning a living. This is arguably the most important part of any courier insurance policy.

The high mileage, difficult driving conditions, and multiple drop-offs that couriers deal with on a daily basis increase the odds of that vehicle being in an accident. It is because of the high risk nature of the job that a specialist courier insurance policy is required.

You can personalise your policy, as most insurers offer a wider variety of different options. Consider exactly what you might need; being underinsured can be a disaster if you do have an accident, being over-insured means you are paying for policy features you don’t actually need. We have drawn up a list of the most common ones below:

  • Glass cover
  • Legal costs – defending a claim can be a very costly process, with lawyers’ fees easily running into the thousands. With this policy feature, your legal costs are normally covered up to £100,000
  • Protected no claims bonus
  • Replacement vehicle cover – to get you back on the road whilst your vehicle is being repaired.
  • Variable excess – you can choose to have a higher excess which will lower the price of your premium. Do not set the excess to be higher than you can afford, because when it is time for someone to claim against you it may take its toll financially

Goods in Transit

As a courier, you will be responsible for the safe carriage and delivery of goods and packages which do not belong to you. This will protect you against any kind of loss, damage or theft which could occur. A large compensation claim against a self-employed courier could have some serious implications on that individual’s finances.

The goods you carry will vary from one day to the next. Some policies will not cover certain goods, including livestock, hazardous goods and human remains. If you are a medical courier for example, this will include you, so mention this when speaking to your insurer and they will be able to find a policy to suit your specific needs.

If a customer is asking you to transport particularly valuable items, we recommend speaking to the customer and suggesting they insure the goods themselves, as most courier insurance policies will not cover high value goods.

Breakdown Cover

Whether you are a motorbike, car or van courier, it is crucial that you spend as little time off the road as possible. The longer you spend off the road, the longer you are not earning money. Most couriers typically have tight delivery deadlines to adhere to, but our partners understand this which is why they offer a variety of roadside assistance cover designed to get you back on the road and working as soon as possible.

Fleet Cover

If you own a courier business and want to insure multiple vehicles on one policy, we would recommend you check out our motor fleet insurance page.

Discounts are available and it will save you a lot of time rather than setting up an individual policy for each vehicle.

Excess Protection

In the event of someone making a claim against you, this will protect you against the cost of your insurance excess. When it comes to courier insurance, the excess may be higher than for a lower risk insurance category, so this is a sensible addition to your policy.

Public Liability Insurance

Public liability insurance is designed to protect you and your business against compensation claims, and any legal expenses incurred if a member of the public is injured or their property is damaged as a result of your business or a product it has supplied.

If you plan on driving in Europe, check with your provider whether your policy will cover you on the continent. Most courier insurance policies cover the continent automatically, but it is still worth checking.

To ensure you get the courier insurance that is right for you and your business, fill out this insurance form and we’ll find you the best deal from our range of brokers.

Why Use Quotesearcher

  • One stop solution for all your insurance needs
  • No need to shop around to find the best deal
  • Only deal with UK leading insurers
  • Most people who own a commercial vehicle will be carrying some form of goods at all times. However, courier insurance is different as these goods usually do not belong to them, which means if something happens to the items in their possession, they have to cover the cost. Depending on your vehicle and the nature of your business, you could be carrying pizzas, clothes, or electronics worth thousands of pounds. No matter what it is, it all needs protecting, not only for the safety of your company but also for your driver.

  • Courier insurance can protect your business in a number of ways: firstly, it covers your vehicles so that if they are involved in an accident they can be fixed quickly and be back on the road as soon as possible. Secondly, courier insurance providers understand that both your vehicles and your drivers are more likely to be targeted by thieves than most other vehicle owners. With this in mind, your policy can help cover the costs of your goods, while also protecting your drivers should the worst happen. QuoteSearcher can find you the best price whether your company vehicles are vans, motorbikes or cars, so no matter how big or small your business, we can help.

  • Your courier insurance premiums will be based on a number of factors, including what range your vehicles travel, the type of goods you transport, and the size of your company. By investing in the right type of policy for you, you will know that your company is able to take on any new challenges that come around. Furthermore, you will be safe in the knowledge that you aren’t restricted by who can drive which vehicle, and how far you need to go. QuoteSearcher can help you find a range of policies, including fully comprehensive, 3rd party fire & theft, or just short term. All you need to do is fill in our online form and you could save up to 35% on your next policy!