Courier insurance in the UK covers a range of vehicles and business types, from furniture delivery vans to small package deliveries on motorbikes or bicycles. No matter what kind of courier service you provide, we can connect you with a broker who will offer a suitable policy at a competitive price.
The best courier insurance policies are comprehensive, including many features to provide complete coverage for all situations couriers might face in their daily operations. Essential features that can be included in your policy are goods in transit insurance, public liability insurance for couriers, and courier breakdown insurance.
MyLicence simplifies the process of finding quotes. By completing just one simple form, we collect all the information our panel of brokers needs to create a tailored policy for you. They will then contact you directly with a competitive quote.
Features
Every courier business is unique, meaning no two courier insurance policies will be identical. In the UK, you are required by law to have at least third-party motor insurance. You can choose to upgrade this to third-party, fire and theft, or a comprehensive policy, which includes more detailed coverage for specific events.
We recommend considering the following features for your policy:
Courier Liability Insurance
Public liability insurance protects you against claims made by third parties, including pedestrians. For instance, if you are involved in an accident with another car or a package falls from your van and injures a customer or a member of the public, this insurance covers the damage, medical expenses, and compensation costs.
Courtesy Car Insurance
While vehicle insurance covers the cost of repairs to get your vehicle back on the road, repairs can take time. Courtesy car insurance provides a temporary replacement vehicle, allowing you to continue working and earning during the repair period.
Vehicle-Specific Insurance
Couriers use a variety of vehicles, and it’s essential to have the right coverage for the one you use. For example, courier van insurance may require different features than courier car insurance. A courier using a van is likely delivering larger items, making goods in transit cover a beneficial part of their policy.
Self-Employed Courier Insurance
Many couriers are self-employed, and their policies may need different features. While self-employment offers flexibility and freedom, it also comes with less protection if you’re unable to work. Discuss potential features with your broker to ensure maximum protection.
Courier Fleet Insurance
If you operate a courier business with a variety of vehicles, consider opting for a courier fleet insurance policy. This type of policy provides comprehensive coverage for all your vehicles and drivers, ensuring maximum protection for your entire business.
There are several advantages to insuring your entire fleet. Not only can you save money by insuring the fleet rather than each individual vehicle, but you will also have all the information consolidated with a single broker.
Many features mentioned on this page can be included as part of a fleet insurance policy. For more details, visit our Van Fleet or Motor Fleet insurance pages.
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What Insurance Do I Need to Be a Courier?
In the UK, anyone operating a vehicle must have third-party insurance by law. However, this is the minimum requirement and doesn’t cover many situations couriers might face. To ensure full protection, comprehensive coverage, including features mentioned on this page, is recommended. Our brokers can tailor a policy specifically to meet the unique needs of your courier business.
How Much Does Courier Van Insurance Cost?
Determining the cost of courier insurance is complex, as several factors influence the price. These factors include the type of vehicle you use, the area where you operate, and the number of clients or customers you deliver to daily.
Insurers also consider your driving record when calculating your premium. For example, having held your license for a long time and having a no-claims bonus can reduce your costs. Regardless of these variables, Our panel of brokers is dedicated to providing you with the most competitive quote possible.
Do You Offer Motorbike Courier Insurance?
Yes, no matter what type of vehicle you use for deliveries, we can connect you with a broker who can provide a comprehensive policy at a competitive price. Motorbike, scooter, and moped courier insurance differ from car and van courier insurance, as motorbike couriers often face higher risks on busy city roads. Talk to your broker about courier insurance for motorcycle riders and the additional features that might be necessary for extra protection.