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Courier Insurance

Over the past few years the courier industry in the UK has boomed, meaning there are more delivery cars, vans, bikes and motorcycles on the road than ever before. Whether you are self-employed or are part of a courier company, your insurance needs to protect not only your vehicle but also the goods in transit as well as any public liability.

Courier and Delivery Driver Insurance

As a courier you may specialise in delivering certain goods, may it be parcels or food. Regardless of what you are delivering, it’s important that both you and your goods are covered at all times to ensure that your business and livelihood are protected should the worst happen.

Depending on what you deliver you may also require specialist equipment in your vehicle, such as fridges and freezers for food. All of these can be covered by your courier or delivery driver insurance policy as well as any livery or optional extras added to your vehicle.

Courier Bike and Motorcycle Insurance

With more and more companies offering next day or same day delivery, courier fleets have adapted to include bikes and motorcycles that can easily navigate their way through traffic. In busy city centres, bike and motorcycle couriers are becoming increasingly popular, which is why so many of our insurance partners offer dedicated insurance for these vehicles.

Safety is often a huge consideration when it comes to bike and motorcycle couriers, which is why some choose to install dash cams that record their and other’s behavior on the road. This could potentially help in the event of an accident, particularly if a public liability issue is involved. To find out more about public liability and courier insurance fill out our online form.

Courier Van Insurance

As previously mentioned, if you require specialist equipment in your vehicle such as fridges and freezers then it’s much more likely you will be in charge of a van than a car. Courier vans require tailored cover to ensure that all aspects of the vehicle are protected, from the cabin to the chassis and even livery.

When it comes to comparing courier insurance you may want to investigate the difference in price compared to who will be driving the vehicles. Young drivers or those that have previously been involved in driving related accidents may cost more than experienced drivers with clean licences.

Goods in Transit

Not every courier insurance policy comes with goods in transit cover as standard, particularly if you are carrying high-value or unusual items. Goods in transit insurance ensures that if any of your deliveries are damaged or stolen the costs will be covered, allowing you to refund your customers or pay for a replacement.

Delivery vans are often targeted by thieves, especially between deliveries when the goods are being taken from the van to the recipient’s home or business. Goods in Transit ensures that your van and its contents are protected even if you are the victim of a crime that wasn’t your fault.

Public Liability Courier Insurance

In this day and age, it’s very uncommon for a business to not have some sort of liability insurance, whether it’s public liability or employer liability. As couriers are often working amongst the public, many companies choose to protect their drivers and their businesses with public liability insurance that can help if there is an issue.

Public liability can help towards the costs of legal fees or even compensation should you or one of your courier drivers accidently harm a member of the public. Something as small as bumping into someone while holding a heavy box can have serious consequences, which is why public liability insurance provides couriers piece of mind.

  • 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!