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Courier Insurance

We work with Leading Courier Insurance Brokers so you can find the right insurance at the right price! - and don't worry, our service is FREE with No Obligation!

Here are just a few reasons to use us!

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What is Courier Insurance?

Courier Insurance is a specific type of insurance policy designed to cover those who deliver goods to other people for a living.

A good courier policy can be designed and tailored to your exact needs and can cover things such as the goods you carry, your vehicle and even yourself if you require.

Quite often Couriers Insurance can be referred to as a Hire and Reward policy. If you already privately own the vehicle and had insurance, you may only require a Goods in Transit policy but we always recommend talking with our brokers to confirm this.

Courier policy sections broken down

All our brokers courier van insurance policies can give you the legal cover that you require, but you may need to have additional coverage for your specific needs, they may include the following:

Goods in Transit

As a courier, you want to make sure that whatever you are delivering is covered for any losses that may occur including damage or theft – a Goods In Transit addon to your policy will give you it’s great to know that what you’re delivering is protected against any kind of loss, damage or theft. Our goods in transit insurance can give you that peace of mind.

Courier Vehicle Breakdown Cover

Make sure that your vehicle is covered against breakdown so in the event of a problem you get back on the road as soon as possible – roadside assistance is very affordable when added on to your policy.

If you are a van courier, having your vehicle off the road for a number of days can be extremely expensive, you can apply for courier van insurance here.

Excess Protection

You can protect yourself against the cost of your insurance excess in the event of a claim.

Public Liability Insurance for Couriers

A Public Liability Policy will ensure that you are covered against any claims made against you by a member of the public.

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 pertinent to you.

Frequently Asked Courier Cover Questions

Setting out in the courier industry or just remaining competitive in your field can come with a lot of questions. Below we answer the most common questions.

What is included in a policy?

A policy designed by our insurers is built in multiple sections. It starts with the vehicle value and mileage covered, then the goods it covers if required along with a few other areas that the advisors will run through with you.

What else can a policy cover?

courier fleet insurance
commercial use
breakdown cover
goods in transit
public liability cover
employers liability
personal accident and sickness cover

What aspects of a couriers insurance should I buy?

This is completely up to you. Some sections of cover, such as vehicle cover and goods in transit insurance are required by law. Other sections are optional, it comes down to your business needs and personal attitude to risk. Our advisors will be able to help you through the decision making process.

I am starting a new courier venture? Can I still get a quote?

Yes. Although your quote won’t be as cheap as someone who has been driving for 10 years with a claim free record, with the right circumstances (such as employing reliable safe drivers) we will be able to offer you an extremely competitive premium.

My vehicle is over 3.5T, can I still be covered?

Yes, regardless of how heavy your vehicle is, we will be able to find you an insurance policy that covers that and more. If you are driving a vehicle over 7.5 Tonne, you may be better off applying for HGV Insurance.

Can you cover hazardous material and locations?

This is a tricky one as it depends on how hazardous the product or location is. Hauling cleaning chemicals would be fine to cover but hauling nuclear waste is extremely different yet both are classed as hazardous. We can cover 90% of hauliers and if we can’t, our couriers team will be able to point you in the right direction.

Do you offer discounts for forward facing cameras?

This depends on your insurer but typically yes. Installing risk management tools such as cameras and trackers can have a positive impact on a drivers driving style. It also helps monitor a vehicle and where it goes as well as quickly and efficiently solve incidents should they occur.

Can I get a Cheap Courier Insurance Quote?

Being able to gain a cheap couriers insurance quotes depends entirely on your risk profile and circumstance. However, you have come to the right place. Our brokers have access to some of the best insurance policies available covering all sorts of business activity. Whether you use a car, van or lorry, we have cover to suit you.

What Courier Insurance Brokers will Quote Me?

Our brokers use a wide range of insurers to find you a cheap policy. Insurers such as AXA and Aviva are amongst many of the best insurers available and may well offer a premium on your policy.

Why use Total Insurance?

The brokers we use have decades of insuring Courier drivers and courier companies. They constantly work to bring down the cost of your Courier Cover premium by negotiating with our extensive board of insurers.