What is courier insurance?
Courier insurance is designed to protect individuals and businesses that make multi-drop deliveries on a time-sensitive basis. It can cover you if your van or other commercial vehicle is involved in an accident while working. In particular, courier driver insurance allows for the increased risk couriers run with high daily mileage and multiple stops per journey.
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Do I need courier insurance?
Are you a self-employed courier, run a courier company or work for a courier brand such as Amazon, Hermes or DHL? Do you have five vehicles or fewer? Do you fit the definition of making numerous deliveries to a tight schedule on a normal working day? Then yes, you are in the market for a courier insurance quote from the Courier team at Gallagher.
If you use your personal vehicle to deliver parcels part-time, courier insurance may still be necessary. Private car, motorbike or van insurance may not protect your work as a courier, even if it includes Class 1 Business use.
Single courier insurance vs fleet insurance
Our single courier driver insurance covers up to five vehicles individually. If you manage six or more vehicles, we can help you find a suitable quotation. This type of insurance allows you to change the vehicles you cover under the policy, with other features specially designed for courier fleets.
What can courier insurance cover?
There are three levels of courier cover available: third party only, comprehensive, and third party, fire and theft. Third party cover is the minimum requirement so you can operate as a courier and deal safely with the public.
Different types of courier insurance policies
Depending on the type of courier business, you may also require:
- Goods in transit insurance, to protect the value of the goods you transport should they be lost, damaged or stolen
- Public liability insurance in case you are involved in an accident involving the public, which is a higher risk for couriers than other drivers
- If you have employees, you may need to consider employers’ liability insurance.
What does courier insurance cost?
The cost of the policy we arrange for you will reflect your actual business, including factors such as your driving history and experience, the area you cover, and the kind of goods you carry. Settling for a ‘cheap’ policy could mean inadequate cover, putting your whole business at risk.
Why choose courier insurance from Gallagher?
We can provide courier van insurance for vehicles up to 7.5 tonnes GVW. We may also be able to include the following features in your policy:
- Protected no claims discount
- Drivers aged 25 and above
- Excesses from £250 for motor for vehicles up to 3.5GVW
- EU cover for up to 90 days (dependent on the insurer)
- Uninsured loss recovery
- Public liability and employers’ liability cover
- Goods in transit cover
- £100 goods in transit excess
- Cover for up to six vehicles per policy
The easiest way to get a quote is by putting a call into our courier insurance team.
Frequently Asked Questions
(Please note: these Frequently Asked Questions are not a substitute for policy wording)
Do I need goods in transit insurance?Courier insurance protects you and your vehicle, not the items you are carrying. Goods in transit insurance is needed to protect delivery items, with up to £50,000 of cover available for each vehicle. Get in touch with our team to find out more about goods in transit cover.
Do I need public liability insurance?Self-employed courier drivers should take out public liability insurance as it protects the business in case of accidents involving members of the public. They are an occupational hazard for couriers, who do such high mileage making stop/start journeys. It covers damages and legal costs when people make claims against the business.
What can I transport under courier insurance?Courier insurance covers most of the everyday items a courier is likely to carry. However, it does not cover high-risk items, hazardous goods, or carrying furniture for people who are moving house.
What’s the difference between courier insurance and haulage insurance?A courier delivers to several places per journey, whereas a haulier generally delivers to one or two and generally has a larger vehicle. Each type of business requires its own different type of policy.
Will my no claims discount from my car insurance transfer over to my courier insurance?No, only a courier no claims discount can be transferred.
If I have comprehensive insurance, can I drive other vans?No, you are not able to drive other vans with courier insurance.
Is my courier insurance valid for deliveries abroad?Most policies provide the minimum level of cover needed to follow the compulsory insurance of motor vehicles laws in any EU/EEA country. Separate goods in transit cover may also be required. Check with us if you’re unsure about what you’re covered for.
How many vehicles are covered under courier insurance?Up to 5 vans. More than this require courier fleet insurance.
Please note that these Frequently Asked Questions are not a substitute for the policy wording.