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Courier Insurance

Our panel of courier insurance brokers can help you find competitive and inclusive insurance to cover your hire and reward needs.

Courier Insurance UK Price Comparison
Courier Insurance UK Price Comparison

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Car Courier Insurance

Van Courier Insurance

Fast Food Delivery Insurance

Removal Company Insurance

Motorbike Courier Insurance

Compare a number of different specialist brokers who deal with courier insurance.

Courier insurance is a hire-and-reward insurance policy, which is a legal requirement if you are delivering food, parcels or any other products for the purpose of making money from it as a business. Find the most competitive policy to suit your needs today by filling out the form above and letting us help you get covered.

Courier Insurance UK Price Comparison

Compare Courier Insurance

Courier insurance is a specific type of commercial vehicle insurance tailored for those using their vehicle to deliver goods on behalf of customers or clients. It covers not only the vehicle but also the goods being transported, offering protection against potential financial losses from accidents, theft, damage, or public liability issues. In the UK, if you’re operating as a courier, standard car or van insurance usually won’t suffice, as these don’t cover goods for transport professionally.

Courier insurance can vary depending on the type of vehicle, the driver’s history, the goods being carried, and the geographical area of operation. The cover is available for various vehicles, including cars, vans, bikes, and motorcycles. While it can be more expensive than standard vehicle insurance due to the higher perceived risks, careful shopping around, improving vehicle security, and maintaining a clean driving record can help reduce the costs.

Different Types of Courier Insurance Products


Bike Courier


Courier Service


Scooter Courier


Car Courier


Moped Courier


Courier Liability

What are the levels of Courier Insurance?

Comprehensive: This type of insurance covers you for third party, fire, and theft. It goes further to cover your vehicle if it gets lost or damaged in an accident. This courier insurance is loved by many and offers the most perks. You can get to compare cheap haulage insurance here to have an idea of the range of premiums.

Third-Party, Fire, and Theft: This insurance cover will pay money to a third party in the event of a loss or damage in which you are legally liable. This type of insurance also covers the cost if your courier vehicle is stolen or damaged by attempted theft or fire. The price is also quite exorbitant but gets affordable when you get cheap courier insurance quotes from us.

Third-Party Only: This form of insurance will only pay money to a third party who suffers loss or damage which you are responsible for. Here you get the cheapest premium and this is the most basic form of cover for your courier business.

Couriers Hire and Reward Insurance Policy Can Include:


Flexible Monthly Payments


24hr Claims Helpline


Windscreen Cover


Accident Support / Replacement Vehicle


No Claims Discount / Protected NCB


Hire & Reward Cover


Introductory Prices


Comprehensive Cover

Courier Insurance UK Price Comparison

Courier Insurance FAQs

What is courier insurance?

Courier insurance is a type of commercial vehicle insurance that’s specifically designed for vehicles that are used in courier services. This can include delivery vans, cars, motorcycles, or bikes.

The main objective of courier insurance is to provide financial protection to couriers and courier businesses against potential risks associated with their line of work. It covers not only the vehicle but also the goods being transported, should they be lost, damaged or stolen while in transit.

courier insurance

Types of cover typically include:

  1. Vehicle Insurance: This type of insurance covers the courier vehicle itself against damage, theft, or accidents on the road. Depending on the policy, it may also cover any necessary repairs or even a replacement vehicle.
  2. Goods in Transit Insurance: This provides coverage for the items being transported. If a package is lost, stolen, or damaged while being delivered, this policy can cover the cost.
  3. Public Liability Insurance: This covers legal expenses and compensation payments if a member of the public is injured or their property is damaged as a result of your work.
  4. Employer’s Liability Insurance: If you employ any staff in the UK, you’re legally required to have this. It covers compensation costs and legal fees if an employee gets ill or is injured due to work they did for you.

The cost of courier insurance can vary depending on factors such as the type of vehicle, the goods being transported, the area of operation, and the driver’s history.

Keep in mind that not all insurance companies offer courier insurance, so it may be necessary to use a specialist provider. It’s also worth noting that some clients may require proof of certain types of coverage before they will do business with a courier.

What is included in the courier insurance cover?

Courier insurance can cover a variety of aspects related to the operation of a courier or delivery business. Here are some of the common coverages:

  1. Vehicle Cover: This insures the vehicles used for the courier service against damage, theft, or other losses. This can include coverage for collision damage, vehicle repairs, or even replacement of the vehicle in the case of a total loss. Coverage might also include roadside assistance and cover for windscreen damage.
  2. Goods in Transit Cover: This covers the items or goods being transported by the courier service. If these items are lost, damaged, or stolen while in the courier’s possession, this coverage can provide compensation for the value of the goods.
  3. Public Liability Cover: This protects the business if a member of the public suffers injury or property damage as a result of the business’s activities. This can cover legal expenses, as well as any compensation claims made against the business.
  4. Employer’s Liability Insurance: Mandatory if the business employs any staff; this covers compensation costs and legal fees if an employee gets ill or is injured due to work they did for you.
  5. Hire and Reward Cover: This is a specific type of cover necessary for anyone using their vehicle to transport other people’s goods in exchange for payment. If you don’t have this cover, your insurance might not pay out in the event of a claim.
  6. Courier Breakdown Cover: This covers the cost of roadside recovery in case the courier vehicle breaks down while on a delivery job.
  7. Personal Accident Cover: This provides a payout if the courier is injured or killed while on a delivery job.

Please note that different insurance companies might provide different types of cover, and not all of these may be included in a basic policy. Always check the terms and conditions of any policy before buying, to ensure that it meets your specific needs.

Will the size of my van make a difference to my insurance?

Yes, your van’s size can make a difference to your courier insurance. Generally, larger vans are considered to pose a greater risk, both because they can carry more valuable goods and because they’re potentially harder to drive and manoeuvre, making accidents potentially more likely. They might also be more attractive targets for theft. As a result, insurance premiums for larger vans may be higher than for smaller ones.

Additionally, insurers often categorise vans by their weight, size, and carrying capacity, which can further impact the cost of insurance. Smaller vans might be cheaper to insure because they’re easier to handle and typically transport less valuable loads. However, all these factors will be considered alongside other elements, such as your driving history, the nature of the goods you’re transporting, and the areas you’re operating in. It’s always a good idea to get multiple quotes and ensure you’re adequately covered for your specific needs.

List of vehicles you can get courier insurance cover on

Courier insurance can cover various vehicles used for courier or delivery services. Here are some examples:

  1. Cars: Regular passenger cars can be insured for courier use. This is particularly common for courier services that deliver small packages or documents.
  2. Vans: These are one of the most common types of vehicles used in courier services. There are different types of vans, from small ones to larger, long-wheelbase models, all of which can be covered.
  3. Motorcycles: Motorcycle courier insurance is available for couriers who use motorcycles for quick, efficient deliveries, often in urban areas where traffic can be heavy.
  4. Scooters/Mopeds: Similar to motorcycles, scooters or mopeds are often used in densely populated areas for small, quick deliveries.
  5. Bicycles: Bicycle couriers are common in city centres, and while they might not require traditional vehicle insurance, they can still be covered under courier insurance for aspects like public liability and goods in transit.
  6. Electric Vehicles (EVs): As the push for more environmentally friendly transportation grows, more and more couriers are using EVs. These can also be insured under courier insurance policies.
  7. Fleet Vehicles: If a courier business operates multiple vehicles, they might be able to get a fleet insurance policy to cover all of their vehicles under one policy.

Remember, the type and size of the vehicle, its age, and other factors may affect the cost of the insurance. Some insurers may also have restrictions on what types of vehicles they will insure, so it’s important to check with the individual insurer.

How to get the right courier insurance?

Obtaining a courier insurance quote in the UK can be relatively straightforward. Here are the steps and some tips:

Steps to Get a Quote:

  1. Research Providers: Look for insurance companies that offer courier insurance. Remember, not all insurance providers offer this type of insurance, so you might need to look for specialist providers.

  2. Prepare Your Information: You’ll need details about your vehicle (make, model, year, value), your driving history, the nature of your courier work (what goods you’ll be transporting, the estimated annual mileage, the areas you’ll be operating in), and personal details.

  3. Contact Providers: Reach out to these providers for a quote. Many insurance providers allow you to do this online, but you can also call them directly. Provide them with all the necessary information.

  4. Compare Quotes: Once you’ve got a few quotes, compare them. Look at the coverage offered, the premium, any excess, and the terms and conditions of each policy.


  1. Be Honest: Always provide accurate and honest information. Any discrepancies can lead to a claim being rejected.

  2. Annual Payment: If you can afford it, paying for your insurance annually can often be cheaper than monthly instalments.

  3. Voluntary Excess: Opting for a higher voluntary excess can lower your premiums, but remember you’ll have to pay this amount if you make a claim.

  4. Secure Your Vehicle: Enhanced vehicle security can lower your premiums. This can include alarms, immobilisers, or secure parking.

  5. Shop Around: Don’t just accept the first quote you get. By comparing multiple quotes, you can ensure you’re getting the best deal for your needs.

  6. Driver’s Training: Some insurers offer lower premiums for drivers who have completed certain advanced driving courses.

Remember, the cheapest policy isn’t always the best. Make sure it provides adequate coverage for your needs.

Do I need special insurance to be a delivery driver?

Yes, if you’re using your vehicle to carry goods or other people’s property for hire or reward, such as working as a delivery driver, standard car insurance isn’t enough. You’ll need what’s often referred to as “Hire and Reward” insurance. This is a class of insurance specifically designed for people who use their vehicles for business purposes, like couriers, delivery drivers, or taxi drivers.

In addition to Hire and Reward insurance, you might also consider:

  1. Goods in Transit Insurance: This provides coverage for the items you’re delivering. If they’re lost, stolen, or damaged while you’re transporting them, this insurance can cover the cost.

  2. Public Liability Insurance: This can cover legal costs and compensation payments if a member of the public is injured or their property is damaged as a result of your work.

Failure to have the right type of insurance can lead to your policy being invalidated, meaning you’d have to pay out of pocket for any damages or losses. It can also result in points on your license, a fine, or in severe cases, your vehicle being seized and destroyed. Always check with your insurance provider to ensure you have the appropriate coverage for your work.

Is it worth being a self-employed owner driver courier?

Becoming a self-employed owner-driver courier can offer a range of benefits, but it also comes with its own challenges, and whether it’s worthwhile will depend on your personal circumstances, goals, and preferences.


  1. Flexibility: Being a self-employed courier can offer great flexibility. You can often choose your hours and your workload to fit around your lifestyle or other commitments.

  2. Independence: As an owner-driver, you have more control over your work than you would as an employee. You can choose the jobs you take on and how you operate.

  3. Potential Earnings: Depending on the demand for courier services in your area and how much you’re willing to work, there can be good earning potential in courier work.


  1. Irregular Income: As a self-employed person, your income may vary from week to week or month to month, which can make budgeting more difficult.

  2. Running Costs: There are costs associated with being a courier, such as fuel, vehicle maintenance, insurance, and potentially higher tax liabilities, which can eat into your profits.

  3. Work Availability: Work may not always be consistent, especially when starting out, and you might face competition from other couriers or courier companies.

  4. Risk and Responsibility: As an owner-driver, you’ll bear all the risks associated with your work, such as goods being damaged or lost in transit, vehicle breakdowns, or accidents. You’ll also need to sort out your own taxes and National Insurance contributions.

Before deciding, it might be a good idea to do some research on the demand for courier services in your area, calculate the potential costs and earnings, and consider whether the lifestyle and responsibilities of a self-employed courier would suit you.

Why is courier insurance so expensive?

Courier insurance can be more expensive than standard vehicle insurance for several reasons:

  1. Higher Risk: Couriers spend more time on the road, often in busy traffic and under time pressures, which increases the risk of accidents. Additionally, they often leave their vehicles unattended during deliveries, which can raise the risk of theft or vandalism.
  2. Value of Goods: Couriers transport goods that can sometimes be valuable, and the cost of replacing these, if they’re lost, stolen or damaged, can be significant.
  3. Vehicle Types: Couriers often use larger vehicles like vans, which can be more expensive to repair or replace than smaller cars, and they may also be seen as more likely to cause significant damage in an accident.
  4. Multiple Stops: The nature of courier work, with multiple stops in various locations, can increase the likelihood of accidents or vehicle damage.

Insurance providers calculate premiums based on risk, and these factors can make courier work seem higher risk compared to private vehicle use. However, there are ways to help reduce the cost of courier insurance, such as building a no-claims bonus, maintaining a clean driving record, improving vehicle security, or choosing a smaller, less powerful vehicle.

What are the benefits of courier insurance?

Courier insurance provides a range of benefits that help protect drivers, businesses, and customers in the event of various incidents or accidents. Here are some key benefits:

  1. Financial Protection: Courier insurance covers financial losses due to vehicle damage, theft, or accidents. Without it, you could end up paying out of pocket for expensive repairs or replacement costs.
  2. Goods in Transit Cover: It provides protection for the goods you’re transporting. If they’re lost, damaged, or stolen during transit, the insurance can cover the cost, helping you maintain your professional reputation and avoid personal financial loss.
  3. Legal Cover: If you’re involved in an accident, courier insurance can cover legal costs. Public liability coverage also protects you if someone sues you for injury or property damage caused by your courier activities.
  4. Business Continuity: Many courier insurance policies offer benefits like replacement van cover, ensuring that your business can continue to operate even if your vehicle is out of commission.
  5. Compliance: If you’re using your vehicle for courier work, having appropriate courier insurance is often a legal requirement. Having this cover ensures you’re operating within the law.
  6. Peace of Mind: Perhaps most importantly, courier insurance gives you peace of mind knowing that you’re protected against unexpected incidents, allowing you to focus on running your business effectively.
What type of insurance does a courier need?

If you’re using your vehicle for courier or delivery work, you’ll need specific types of insurance to ensure you’re fully covered:

  1. Courier Vehicle Insurance: This is similar to regular vehicle insurance but is specifically for courier vehicles. It provides cover for damages to your vehicle and third-party liability if you’re involved in an accident. This can be third-party only (TPO), third-party, fire and theft (TPFT), or comprehensive, depending on the level of cover you choose.
  2. Goods in Transit Insurance: This provides coverage for the goods you’re transporting in case they are lost, damaged, or stolen while in your care.
  3. Public Liability Insurance: This can protect you if a member of the public suffers injury or property damage as a result of your work as a courier. It can cover legal costs and compensation claims.
  4. Employer’s Liability Insurance: If you employ other people in your courier business, it’s a legal requirement to have employer’s liability insurance. This can cover compensation claims from employees who are injured or become ill as a result of their work.
  5. Hire and Reward Insurance: This is a specific type of insurance cover necessary for anyone using their vehicle to transport other people’s goods for payment. If you don’t have this cover, your vehicle insurance might not pay out in the event of a claim.

Remember, different insurers offer different packages and levels of coverage, so it’s important to check the details and ensure that the policy meets your specific needs.

Which insurance is a minimum for couriers?

Courier Van Insurance is for when you have up to five vans. There are three levels of cover available: third party only, comprehensive, and third party, fire and theft insurance. Third-party cover is the minimum you need to be able to deal with public safety.

You may also require goods in transit insurance, to protect the value of the goods you transport should they be lost, damaged or stolen, and public liability insurance, in case you are involved in an accident involving the public. If you have employees, you might need to consider employers’ liability insurance.

Using our brokers industry knowledge and depending on your needs, we may also be able to include the following features in your policy:

Protected No Claims Discount
• Drivers aged 25 and above
• Excesses from £250 for motor for vehicles up to 3.5GVW
• Free EU cover for up to 90 days (dependent on the insurer)
• Uninsured loss recovery
• Public Liability and Employers’ Liability
• Goods in Transit Cover
• £100 Goods in Transit excess
• Cover for up to six vehicles per policy
• Option to include AA Breakdown & Accident Recovery

Courier Insurance: Essential Cover for Every Delivery Professionals

Courier Insurance: Essential Cover for Every Delivery Professionals

Courier insurance is an indispensable protection for those in the courier and delivery industry. Whether you are a self-employed courier or running a fleet of delivery vans, ensuring you have the right insurance is crucial for your peace of mind and the smooth operation of your business. In this article, we will delve into the various aspects of courier insurance, the different types available, and tips on how to find cheap courier van insurance quotes.

Understanding Courier Insurance

Courier insurance is a specialised type of cover designed for individuals and businesses that transport goods for a fee. Unlike standard vehicle insurance, courier insurance policies cover the specific risks associated with the courier industry. These include the transportation of goods, high mileage, and frequent stops.

Types of Courier Insurance

  1. Courier Insurance for Cars: This is ideal for those who use their personal car to deliver parcels. It covers the vehicle and the goods being transported, ensuring that both the courier and the customers’ items are protected in case of an accident or theft.

  2. Courier Van Insurance: If you operate a delivery van, this insurance is tailored to cover the higher value of goods and the larger vehicle. Delivery van insurance provides comprehensive cover for the van, including accidental damage, theft, and liability.

  3. Motorbike Courier Insurance: For couriers who use motorbikes, motorbike courier insurance offers protection against the specific risks associated with two-wheeled vehicles, such as accidents and theft.

  4. Business Courier Insurance: This policy is designed for businesses operating a fleet of vehicles for delivery purposes. It provides cover for all the vehicles, drivers, and goods, ensuring comprehensive protection for the entire operation.

Key Considerations for Courier Insurance

When choosing a courier insurance policy, several factors need to be considered:

  • Level of Cover: Ensure the policy provides adequate cover for the vehicle, the goods being transported, and public liability.
  • Courier Insurance Costs: The cost of insurance can vary widely depending on the type of vehicle, the value of the goods, and the level of cover. It’s important to compare courier insurance to find the best deal.
  • Self-Employed Courier Insurance Cost: Self-employed couriers need to find a balance between comprehensive cover and affordability. Look for policies that offer flexible payment options and competitive rates.

Finding Cheap Courier Van Insurance Quotes

Obtaining cheap courier van insurance quotes requires some effort and research. Here are some tips to help you get started:

  1. Compare Courier Insurance: Use comparison websites to compare policies from different insurers. This will give you an idea of the market rates and the range of cover available.

  2. Consider Higher Excess: Opting for a higher excess can reduce the premium. However, ensure that the excess amount is affordable in case of a claim.

  3. No Claims Discount: If you have a good driving record, you may be eligible for a no-claims discount, which can significantly lower the premium.

  4. Bundle Policies: If you have multiple vehicles or other insurance needs, consider bundling your policies with the same insurer. Many insurers offer discounts for multiple policies.

Specific Insurance Needs

Different courier businesses have unique insurance needs. Here are a few scenarios and the corresponding insurance solutions:

  • Courier Insurance for Cars: This policy covers the vehicle and goods, providing peace of mind during transit. It is ideal for those using personal cars for deliveries.
  • Courier Van Insurance Cost: The cost of insuring a delivery van can be higher due to the larger size and value of the goods transported. Shop around for the best rates and consider the level of cover needed.
  • Motorbike Courier Insurance: Motorbike couriers often face higher risks on the road. Ensure the policy includes comprehensive cover for accidents and theft.
  • Business Courier Insurance: For businesses with multiple vehicles, a fleet policy can offer better rates and simplified insurance cover management.

Reducing Courier Insurance Costs

Courier insurance costs can be a significant expense for businesses and self-employed couriers. Here are some strategies to reduce the cost:

  • Telematics Insurance: Some insurers offer telematics or ‘black box’ insurance, which monitors driving behaviour. Safe driving can lead to lower premiums.
  • Security Measures: Installing security devices such as alarms and immobilisers can reduce the risk of theft and lower the insurance premium.
  • Training: Investing in driver training can reduce the likelihood of accidents, potentially leading to lower premiums.
  • Limit Mileage: If possible, limit the vehicles’ annual mileage, as higher mileage can increase the premium.

Obtaining Courier Insurance Quotes

Getting courier insurance quotes is the first step in finding the right policy. Here are some tips to ensure you get accurate and competitive quotes:

  1. Provide Accurate Information: When requesting a quote, ensure all the information provided is accurate. Incorrect details can lead to invalidated claims or higher premiums.
  2. Compare Multiple Quotes: Don’t settle for the first quote you receive. Compare quotes from multiple insurers to find the best deal.
  3. Check the Fine Print: Ensure you understand the policy’s terms and conditions. Pay attention to exclusions and limits on cover.


Courier insurance is an essential investment for anyone involved in the courier and delivery industry. Whether you are driving a car, van, or motorbike, having the right insurance policy protects you, your vehicle, and the goods you transport. By comparing courier insurance policies, seeking cheap courier van insurance quotes, and understanding your business’s specific needs, you can find a policy that offers comprehensive cover at an affordable price.

For self-employed couriers, balancing the cost and level of cover is crucial. With the right approach, you can secure a policy that protects your livelihood without breaking the bank. Whether it’s car courier insurance, delivery van insurance, or business courier insurance, invest in a policy that gives you the peace of mind to focus on delivering excellent customer service.

Helpful Links

ABI –  Association of British Insurers – The Association of British Insurers is the leading trade association for insurers and providers of long term savings. … need to contact their insurer for a Green Card which they will need to carry on them if they wish to drive their vehicle in the EU.

BIBA – British Insurance Brokers’ Association – The British Insurance Brokers’ Association (BIBA) is the UK ‘s leading general insurance organisation.

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