Car insurance is not courier insurance: why this matters!

If you have your own car, enjoy driving and you’re looking to make some money, becoming a courier is a simple and popular option that allows you flexibility and autonomy.

However, when you’re considering this role, don’t assume that you can use your own vehicle as is – meaning with your current car insurance policy. In fact, having standard car insurance while making deliveries could invalidate your policy altogether.

Why doesn’t car insurance cover couriers?

Car insurance doesn’t cover delivery drivers for a number of reasons:

You’re on the road for more time: as a courier, by default, you’re on the road for longer periods of time. Inevitably, there are more risks involved because of this.

You’re using your vehicle to make money: if you’re making money as a driver, a policy that states your car is being used for commerce is essential. This is because, in addition to being on the road for longer periods (and therefore more vulnerable), you’re also carrying goods due for delivery. Having these in your vehicle makes you more at risk of theft, for example, by default.


As the title states, if you don’t have the right insurance, then you’re liable to have your standard insurance invalidated. In addition to this, police can fine you up to £300 for not insuring your personal vehicle as a courier. You’re also at risk of getting six points on your license.

It should be clear that getting either Goods In Transit insurance or Courier Car insurance is the right way forward when you’re becoming a courier delivery driver. It protects you from getting in trouble, both as a vulnerable vehicle and in the eyes of the law.

Where do I find the best insurance deal?

Courier car insurance, as is so often the case with most types of insurance, won’t cost you as much as you think. If you’re concerned, then use a comparison tool – such as Total Insurance – to get the best deal.

Still unsure about being insured? Speak to us today. We’d be happy to help you get on the road.