Frequently Asked Questions: Courier Insurance

Can I transport goods to Europe?

Delivering goods to Europe can be lucrative for a courier, and that is why there are a number of policies out there that will cover you for a certain amount of time in EU countries. Some policies can cover you for up to 90 days in any one period of your courier insurance. If you […]

Will goods be covered whilst in my vehicle overnight?

If your vehicle is locked in a garage or kept in a secure compound, which has secure walls, and/or fences and locked gates overnight, then the goods in your vehicle will remain covered by your courier insurance policy. If you leave your vehicle on the street however, then you may risk your insurance company refusing […]

Will it be possible to cover more than one vehicle on the same policy?

When applying for a courier insurance quote, it is possible to insure more than one vehicle on the same policy. This could save you time and money. However, you will then be able to add vehicles to your policy at a later date, just in case you need to.

Is it possible to have young or inexperienced drivers driving?

Yes, it is certainly possible to allow young or inexperienced drivers to transport goods for you under your courier insurance policy. However, it is likely that young and inexperienced drivers will result in higher insurance premiums.

Am I allowed to have my vehicle sign written?

Yes you are allowed to have your vehicle sign written, and it could actually give you a discount on your overall van insurance quote as the vehicle will be more identifiable, and thus will be less likely to get stolen. The vehicle will therefore represent a lower risk for the insurer.

I am doing 25 to 40 drops per day, will I therefore be classed as a courier and do I need specialist insurance?

Yes, you will be classed as a courier because of the number of drops you do each day. You must now take out a courier insurance policy. In the UK it is a legal requirement to have a basic insurance policy if you use a vehicle to travel on the public roads with, if you […]

Can I include my family on my courier insurance policy for social, domestic and pleasure use?

Yes, with most courier insurance brokers it will be possible to add your spouse to the courier policy. You will need to contact your courier insurer in order to find out however as there may be specific terms and conditions that come with your policy.

I want to use my car for deliveries, is this possible?

Yes this is possible, although you will need a specialist policy that will provide you with cover to use your car for courier use, as normal courier insurance policies may not cover this. If you are unsure then you will need to contact your insurance provider in order to find out.

If I were to drop a parcel on someone’s foot and injure them, will I be covered by my courier insurance policy?

Unfortunately not, courier insurance quotes do not take into account accidents such as the one mentioned here. If this has happened to you, and you wanted to find out more, then do not hesitate to contact your courier insurance provider in order to find out.

Will any glass and windscreens be covered?

The majority of courier insurance policies do provide glass and windscreen cover. If in any doubt about this however, then read through your policy documents carefully, or alternatively, contact your courier insurer in order to make sure. If your courier insurance provider does not already cover glass and windscreens then it may be possible to […]

I have a private no claims bonus, will I be able to apply this to my courier insurance?

Most courier insurers will offer schemes which allow you to use your private car no claims bonus, and there are also other schemes that give an introductory discount based on the no claims bonus you have earned privately, which enables you to continue using your private bonus on your private vehicle should you wish to […]

Sometimes I have to transport hazardous goods, will I be covered?

Most courier insurance providers will offer a policy which includes cover for carrying hazardous goods. If you already have an existing policy that does not cover hazardous goods, then you may be able to add it on as an extra at any given stage.

Will I be able to add drivers to my policy throughout the year?

Most courier insurance policies will allow you to add drivers throughout the term of the policy, but restrictions may apply to both the number and criteria of drivers to be added, for example there may be age restrictions with a courier policy.

What is the difference between haulage and courier?

Generally, if you carry out multi-drop deliveries then you will need courier insurance, and if you do only one or two drops per day then haulage use is most likely to be appropriate. If you are unsure then it would be a good idea to read through the details of the policies you are looking […]

Will my parcels or goods be covered against theft from my van?

Unfortunately not. In addition to your courier insurance, you will need a separate goods in transit policy to cover theft, whether from your van or whilst in your care.