How the process works and what we do
We provide a quick and easy prcoess to finding Courier Insurance quotes
Complete our quick & easy form with a few essential details about you and your policy needs
We search our panel of specialists to find you the brokers who can quote you the cheapest for your policy requirements
You save money by picking the right policy at the right price from a broker of your choice
What is courier insurance?
Courier insurance a specific type of policy for those who deliver goods for a living. It can often be referred to as ‘goods for hire and reward insurance’.
A courier policy is tailored to the sort of things you will be covering with the level of cover changing greatly depending on the value of the goods carried.
Levels of courier cover
Like standard car insurance, you will be able to get a courier policy at 3 different levels. You will also be able to add additional cover once you select your standard level of insurance protection.
The type of cover you will be able to choose from will be Third Party Only, Third Party Fire & Theft and Comprehensive Cover.
Third Party Only
This is the most basic form of cover and will insure other peoples vehicles only but won’t insure your vehicle or any parcels.
Third Party Fire & Theft Cover
In the event or an accident, this level of cover will cover damage to the other vehicle where you are at fault. It will also cover your vehicle should it be set fire or stolen. It will not cover your vehicle in the event of a fault claim.
Comprehensive Courier Cover
This level of cover will cover the above as well as your vehicle in the event of a fault claim, much like your private vehicle. This cover is more thorough but is also slightly more expensive. It is worth considering how reliant you are on your vehicle before ruling this cover level out in a bid to save money.
Once the level of vehicle cover is selected, you need to start looking at the commercial aspects. This will include (but no limited to):
- Goods in Transit Cover
- Windscreen Cover
- Breakdown Cover
- Public Liability Cover
- Employers Liability Cover (if you employ someone)
- Professional Indemnity Cover
- Cover for Dangerous of Toxic Goods
Dependant on what you require will cause your price to fluctuate.
What extra cover may I need?
The specialist courier insurance brokers we work with can all provide the minimum legal cover requirement. You should consider some additional protection to ensure you can keep working in the event of loss or damage.
Goods in Transit
Goods in transit insurance is a policy that covers parcels or belongings whilst in your possession. One of the key elements of couriers insurance cover is to insure goods that are stolen or damaged.
The goods you carry as a courier can amount to quite a bit of money with more and more people ordering items online with ever increasing value.
Goods in transit cover is also required by those using an already insured vehicle to deliver goods. It is purposely designed to cover only the parcels and not the vehicles.
Carriage of own goods
Carriage of own goods is designed to cover only your belongings whilst in transit. You may already insure the vehicle you use but need to transport you own goods on a separate policy.
Vehicle Breakdown Cover
You should also cover your vehicle for breakdowns. In the event of a problem you want to get back on the road quickly. Roadside assistance is very affordable when bought with your policy.
If you are a van courier, having your vehicle off the road for a number of days can be extremely expensive. Apply for courier van insurance here.
Courtesy Vehicle Replacement for Couriers
If your vehicle is written off or stolen, you will be unable to work unless you can get your hands on another vehicle quickly. With courtesy vehicle replacement, in the event of the complete loss of your vehicle, a new one will be sent to you until your one can be recovered of repaired.
You can protect yourself against the cost of your insurance excess in the event of a claim. When you make a claim, you will need to pay to pay an excess towards the policy. Excess protection will enable you to claim this back.
Public Liability Insurance
If a member of the publics claims against you, public liability insurance is there to help.
Not all benefits apply to everyone and they will be dependent on your own circumstances. The broker providing you with your quote will explain what is right for you.
Employers liability is a legal requirement for anyone who employs someone. If you deliver goods with someone else employed by you, then you will be legally required to have employers liability insurance.
Legal expenses is the part of a policy that will pay to fight any claim should it go to court.
Courier v haulage?
Although definition varies between broker and insurer. Generally a courier will drop off at multiple locations. A haulage driver though will drive a long distance for 1 or maybe 2 drops.
A courier driver will typically only get their schedule of drops on the day. A haulier will have their drops pre-planned in advance.
Haulage insurance falls more under HGV Insurance.
Who needs courier insurance?
Anyone who carries goods whether it be their own or others requires a courier insurance policy. As a courier of any kind, you will need to legally insure the vehicle you are using for delivery use. Although it is not a legal requirement to insure the goods you carry, many courier companies will not hire you unless you do.
Most drivers work on a self-employed basis. Although they may deliver for companies such as Hermes or DPD, they won’t be directly employed by them.
Self-employed drivers are directly responsible for their own insurance policy.
A self-employed courier is still likely to drive around in a sign wrote vehicle for the company they work for. Instead though they will invoice the company as opposed to claim a pay cheque.
How Much Does Courier Cover Cost
The price of your courier policy will depend entirely on what you wish to cover within your policy.
As standard, you can expect your policy to typically include cover for both your vehicle and the goods you carry.
Before you apply for a quote, take a close look at what actual cover you need. Over insuring will cause you to pay more than you need to.
How to Save Money on Courier Insurance
It natural to want to find cheap courier insurance. We have provided a few ways below on how you can save money on your policy.
Always compare quotes
As with any policy, it pays to compare what’s on offer, so collect quotes from plenty of providers. However, don’t just look at price. Make sure when comparing that the insurers you select are offering the same level of cover.
It’s worth checking out insurance specialists who specifically handle policies for couriers as you may find premiums lower. They can also offer advice on ways to lower your quote like installing a device that monitors your activity on the road. We are able to help you compare courier insurance from a wide variety of providers.
Remember that dedicated insurance policies for couriers don’t provide cover if you break down as standard. When picking a policy, always ask insurance providers if they also offer this protection and at what price.
Understand all available policies
An extensive array of insurance policies is available for couriers from simple courier car and van options to insurance with hire and reward use. For couriers driving HGVs or trucks there is also cover for haulage use.
Ensure you select the correct policy for the size of your courier vehicle as this will impact your premiums. For example, if your van weighs more than 3.5 tonnes you’ll need an insurance policy designed for haulage.
Mention any no-claims discounts to insurers
Many insurers covering couriers will consider any no-claims bonuses that have been carried over from other car and van policies you’ve had previously, which can be one way to make savings.
Raising voluntary excess
A final way to lower your insurance outgoings is to consider selecting a higher voluntary excess. However, always make certain you can afford to pay your greater involvement in repair costs if the worst should happen and you’re involved in an accident.
Do you need to insure a car or a van?
Dependant on what sort of vehicle you use to operate your business will also have an impact on your premium.
Cost of Courier Car Insurance
Cars are not always cheaper to insure compared to a van as often they hold a higher cost. However, car couriers are often part time workers looking to earn an additional income.
Cost of Courier Van Insurance
The cost is associated more with full time couriers who’s main income is from parcel delivery. It is however quite often more tailored as the demand on the policy can frequently be more.
If you want to keep your costs down, your best bet is to compare policies if you wish to find a cheap courier van insurance policy.
How many vehicles need cover?
An often over looked factor is how many vehicles are you looking to insure. If you need to insure more than one vehicle, you may want to consider taking out a courier fleet insurance.
Our agents are always happy to help you find the right option for your courier needs.
Cheap courier insurance
Your ability to get a cheap courier insurance quotes will come down entirely to your own risk profile. Policy cost is based on a number of things such as the average value of goods carried, vehicle value and driving history.
If you are a sensible and safe driver with a good history, then yes, you are likely to be able to get a cheaper policy.
It is also essential that you compare policies, by using a service like ours. We will look at your own individual needs and find you the best broker.
The brokers we use can also provide you polices paid for monthly. A policy for a new driver can be a little more expensive for the first year. Paying monthly for your policy can help with this.
Why use us to find your policy?
We have a long standing relationship with many specialist brokers and know exactly what sort of person they are looking for. We can quickly transfer you to the brokers who can help you the most. You can then better compare insurance for couriers.
By using our service, you can save time not having to search multiple companies who may not be able to help you. We know who can help you and get you comparing policies quicker.
The brokers will work with have access to a wide range of insurers all offering different benefits.
We are able to find cover for all types of driver with all types of vehicle as well. Our expert courier advisors will help you find insurance quickly.
Why use us to compare your couriers insurance
We work with specialist courier insurance providers who will help you get the best policy at the best price.
Being a courier driver is risky business. Because of this, policies can be on the expensive if you use the wrong provider.
Through working with our dedicated panel, you can ensure this don’t happen and only get quotes from the brokers right for you.