Courier Car Insurance

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What is courier car insurance?

Courier car insurance is designed for those delivering parcels either full time or part time from their own personal car.

Many car couriers work for mail order companies delivering items of clothing amongst other items to earn money alongside another job.

A policy typically covers all the same aspects as insurance for courier van drivers but tailored for those using their own car instead.

A Courier Car Policy is more in-depth than Class 3 Business use on your private car policy. Class 3 will allow you to transport low cost goods such as flowers or take aways but will not allow you to transport medium to high value goods.

Goods In Transit Insurance

You may be able to get away with a Goods In Transit Insurance if you have your car already insured for Social Domestic and Pleasure with Business Use. You would need to check this though with an advisor.

If you intend to use your car on an employed or self-employed basis to deliver the goods of other people, we would always recommend ensuring a correct and proper cheap courier insurance Policy is in place.

Car insurance is not courier insurance

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.

Is Courier Car Insurance Expensive?

The cost of cover is dependant on the hours you intend to work, the hours you intend to work and the type of goods you with to car. You have every chance of being able to gain a cheap car courier cover by shopping around and comparing courier brokers. We are more than happy to do this for you, simply fill out our quote form or give us a call on 0203 876 5045.

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