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Courier Fleet Insurance

Policies For Courier Fleet of 2 – 500+ Vehicles
Flexible Monthly Payment Options
Cover All Fleet Vehicle Types: Cars, Vans, LGV’s, HGV’s, Motorbikes, EV Vehicles
Covers Any Driver Fleet Policy Aged Over 21, 25, or 30 Years of Age

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Courier Fleet Insurance


Courier fleet insurance is a type of coverage that’s designed to protect delivery vans and drivers all under one policy. When the entire fleet is covered by one policy, there’s only one renewal date to track, and it’s easy to add vehicles and drivers to the policy (or remove them when necessary).

This type of coverage makes it much easier to manage a fleet of vehicles rather than insuring each one separately.


Who Needs Courier Insurance?


Anyone who runs a courier business, which has at least 2-3 delivery vans, needs courier insurance. Fleets can include up to 100 vehicles or more, depending on the specific policy and insurance provider.


What Vehicles can be Covered by Courier Insurance?


Depending on the policy and the insurance provider, it may be possible for the fleet to include a variety of vehicles. That means it may be possible to insure a fleet of vans, a fleet of cars, or a mixture of cars and vans.

Remember that each policy and insurer will have their own regulations when it comes to the type of vehicle. This may also apply to the size of the vehicle. So, read each policy carefully for specifics.


What are the Benefits of Courier Fleet Insurance?


There are several benefits this type of insurance offers, including:

  • All vehicles can be covered by one insurance policy
  • Any driver/any vehicle may be available
  • Free courtesy vehicle in the event of a non-fault accident (this depends on the policy)
  • One renewal date to remember
  • One premium to take care of


What types of Courier Fleet Insurance are There?


There are generally three types of courier fleet insurance, including:

Third-Party Only: this type of coverage is the least amount legally required to drive on UK roads. It covers claims from third parties, damage to their property, and injury of vehicle passengers. However, this type of coverage will not pay to repair your vehicle or cover medical bills for the driver. You will be responsible for these costs.

Third-party fire & theft: covers everything above plus fire damage, theft, damage to the vehicle caused by theft.

Comprehensive: this is the highest level of insurance you can have. It covers all of the above and covers loss or damage to vehicles, windscreen cover, person effects, accidental damage, medical expenses.

Telematics: this is an optional type of insurance coverage that involves tracking drivers, report claims in real-time to the insurer, and driver training. The data is gathered by a black box placed on each vehicle or through a mobile app on a smartphone. The data is gathered and sent to you and the insurance company. When drivers are using safe driving measures, your premium could go down.

Road risk


Goods in transit: this is not legally required; however, it’s highly recommended to have this protection. It covers the cost of damaged, lost, or stolen goods carried in your fleet vehicles.


Are All Courier Insurance Policies the Same?


No, there’s a wide variation in the policies offered by each insurance provider. For this reason, it’s recommended that you read through each insurance policy. This will help you understand what’s covered (or not). You’ll have all the information to choose the best policy for your circumstances.

However, if you read through any policy and find things that are vague or you have questions about parts of the policy, it’s best to contact the insurer directly. They’ll be able to explain all the ins and outs of the policy to you. Again, with this information, you’ll be able to make an informed decision on which policy is best for your courier fleet.


courier fleet insurance quote

What Factors Affect the Cost of Courier Fleet Insurance?


There are various factors that play into the cost of courier fleet insurance, including:

  • How long your business has been in operation
  • Where the vehicles are located
  • The number of vehicles in the fleet (generally, the more vehicles there are, the higher the premium)
  • The number of employees (drivers)
  • The vehicle makes and models
  • The confirmed claims experience (CCE) of the fleet
  • Number of drivers & their experience/age
  • Motoring convictions for drivers (drivers who have convictions in the past may require a higher premium)
  • The delivery radius covered (the size of the delivery area)
  • Installation of telematics in vehicles
  • Security of any premises (the better the security measures, the lower your premium maybe)
  • The levels of cover required

How to Lower the Cost of Courier Fleet Insurance?

There are several ways you may be able to lower your courier fleet insurance premiums:

  • Know how the size of the vehicle affects your premium (each insurance provider will have their own guidelines – in some cases, a larger vehicle means a higher premium)
  • Mention your any claims and whether or not this was on a van or another type of vehicle.
  • Raising your voluntary excess
  • Ensure all drivers are 25 or older (younger drivers make premiums increase, as they’re seen as higher risk)
  • Pay premiums annually rather than monthly (monthly premiums are higher)

Another way to save on your premiums is to comparison shop. If you choose to go this route, then it may also be helpful to find an insurance broker who specializes in courier fleet insurance. The reason is they have the knowledge and experience to help you find the best deal and the right insurance coverage for you and your company.

What’s more, fleet insurance has many variables, which can be difficult to navigate if you don’t know what you’re doing. An insurance broker could also be extremely helpful for this reason. There are many types of courier fleet insurance available, which can be confusing. These policies include:


I’m a New Business, Can I Still Get Courier Fleet Insurance?


If you’re a new courier business, yes, it can be insured. You are legally required to insure all the vehicles in the fleet. However, if you have no experience running this type of business, then it’s possible insurers could see you as a slightly higher risk. In that case, your courier fleet insurance premium may be higher.

Helpful Links:

RHA – Road haulage Association – The only UK Trade Association Dedicated Solely to the Needs of UK Road Transport Operators.

FORS – The Fleet Operator Recognition Scheme (FORS) is a voluntary accreditation scheme for fleet operators which aims to raise the level of quality within fleet operations, and to demonstrate which operators are achieving exemplary levels of best practice in safety, efficiency, and environmental protection.

FTA –  FTA is one of the biggest business groups in the UK, supporting, shaping and standing up for efficient logistics. We are the only organisation in the UK that represents all of logistics

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