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Compare courier insurance quotes for cars, vans, bikes and lorries with Quotezone
Courier insurance is important if you drive a van, car, bike or truck to deliver goods in transit to your valued customers.
Choosing standard car insurance or van insurance can be tough at the best of times. But when you’re transporting goods for other people it’s even more important to make sure you’ve got the right kind of cover, because a regular insurance policy won’t meet your needs – you’ll need dedicated courier insurance instead.
Yet with so many options it can be tricky to work out exactly what type of courier insurance you need, so here’s what to think about.
Who needs courier insurance?
If you use your car, van, scooter or motorbike to make multiple deliveries of goods and parcels, then you’ll need courier insurance. These policies take into account the extra miles you do because of your job, the fact that you’re more likely to be driving through heavily built-up areas, and the value of the items you’re carrying.
If you don’t have appropriate cover, your vehicle and the goods you’re transporting may not be insured. It means if you had an accident or someone broke into your courier vehicle, you may not be compensated for damage or stolen items.
Courier insurance isn’t quite the same as haulage insurance which is aimed at long distance lorry drivers making just one or two big deliveries.
What does courier insurance UK include?
Courier cover is typically made up of several other types of insurance, allowing you to tailor your policy to fit your exact needs. At the most basic level, you’ll need to decide whether you want:
- Third party only cover – this covers the cost of damage done to other people and their property in case of accident. Crucially, it doesn’t cover you for any damage done to your vehicle or you.
- Third party, fire and theft – this includes third party only cover and will also compensate you if your van is stolen or damaged by fire.
- Comprehensive cover – this is the highest level of protection you can get for your van. It includes third party, fire and theft cover and will also pay to fix your van in the event of an accident (even if it’s your fault).
As well as choosing the level of cover, you’ll be able to add on other types of insurance, including:
- Carriage of goods for hire and reward – this is a type of goods in transit insurance and it’s vital if you’re a courier. It covers the items you’re delivering and will compensate you for loss, damage and theft. Bear in mind that policies will have different terms and conditions so check beforehand to avoid any surprises. For instance, you may not be covered if goods are damaged because they weren’t packed properly at source.
- Public liability insurance – this compensates other people if you injure them or damage their property through work activities. For example, if someone tripped over boxes you unloaded and broke their arm.
- Employers’ liability – if you own a fleet of courier vehicles and employ several drivers, then this covers the cost of compensation if they become ill or are injured because of work. You’ll need employers’ liability by law if you have any employees, even part-time and temporary workers.
What other features should I look for in couriers insurance?
While it’s crucial to protect you van and the contents you’re carrying, there are other features worth considering to ensure you protect your vehicle and your livelihood as best you can – for instance:
- Breakdown cover – covers breakdown and recovery and can include replacements for lost keys.
- Courtesy vehicle – provides you with a replacement vehicle if yours is being repaired.
- Personal possessions cover – compensates you for personal items that are stolen or damaged but only up to a certain amount. For example, things like glasses, sunglasses, a phone or built-in stereo.
- Legal expenses – pays for legal advice if you need to claim for damages or if someone takes you to court.
Does couriers insurance cover the vehicle’s contents?
If you choose to add carriage of goods for hire and reward, then your policy should cover the items you’re delivering. If you don’t opt for this, then those items probably won’t be insured, and you run the risk of having to foot the bill for damage or theft yourself.
If you’re carrying tools and materials that belong to you and that you use for work, then you’ll need a type of insurance called carriage of own goods. If you work solely as a courier you may not need this but if you have a second job, it might. For example, if your main job is as a builder and you keep tools or equipment in your van as well, it’s worth speaking to your insurer about cover for these items too.
How much is courier insurance?
Price will depend on your location, the type of vehicle you’re insuring, the type of policy you choose and whether or not you add on any extra features. Premiums will also take into account your own driving history and whether you’ve recently had any road accidents or claims made against you. Because of this, the cost of insurance for couriers can vary significantly.
When it comes to choosing a policy, it’s absolutely vital to ensure you’ve got the protection you need. Cheap courier insurance might seem a good deal but read any terms and conditions in place and have a good look at what’s included – there could be numerous exclusions.
On the other hand, policies that initially appear expensive might actually have fewer limitations and exclusions, offering you better value for money.
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