Courier Insurance

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  • Hire & Reward Cover
  • Parcel Delivery
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Insurance for Couriers

When it comes to van insurance, most mainstream insurers will exclude cover for hire and reward use which means you can't use a regular van insurance policy for your courier business. Fortunately there are a number of specialist providers out there that cater specifically for the needs of couriers.

What is Hire & Reward Use?

In laymans terms this means receving payment for using your vehicle. Where taxi drivers receive payment for using their vehicle to transport passengers, couriers receive payment for transporting parcels and goods.

Goods In Transit Insurance

Most specialist courier insurers will offer doods in transit cover as an optional extra. This provides insurance for the parcels and goods that you're transporting, so if they're damaged or stolen you won't be left to foot the bill.

Tips for Courier Insurance

Do I need a specialist courier policy?

In short, yes. If you use a standard insurance policy that excludes hire and reward use then you're driving uninsured which carries a penalty of £300 and 6 penalty points. You also risk the vehicle being seized which can incur additional expense and inconvenience.

Invest in a dashcam

Because your vehicle will be on the road a lot the odds of being involved in an incident will be higher. By investing in a dashcam, in the event of an incident that isn't your fault you'll be able to provide evidence to ensure a claim doesn't end up being settled 50/50 or going against you entirely.

Renew your policy in good time

It may seem counter intuitive, but research suggests insurers can offer discounts to customers who are organised. People who leave renewing their insurance until the last minute could be disorganised and always in a rush, which could theoretically translate into riskier behaviour like leaving repairs until it's too late.

Don't auto-renew

It's always worth comparing prices every year to make sure you're getting the best possible deal. If you use our service we will send you a reminder to shop around.

How to Save £s on Courier Insurance

In 3 simple steps, taking less than 2 minutes, you can search a wide range of some of the most trusted providers in the UK. You can also tailor the policy to ensure it covers you for what you need.

1
Tell us about you

Enter your personal information, name, address, occupation, etc – this tells the market who you are and where you live.

2
Provide your requirements

What are you looking to cover, the vehicle, who will drive it and how far will you drive. You can also select the level of cover – Comprehensive or Third Party, Fire and Theft? Do you want Protected No Claims Bonus or not?

3
Choose the right policy

Review the results and tailor your cover – once the market has quoted your policy, you can amend cover to your own needs. Higher or lower excess? Legal Cover? Breakdown? This can all be amended before selecting your desired policy.

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