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Vehicle Delivery/Collection Insurance

If you operate a vehicle delivery/collection business, you transport customers’ vehicles, then it’s imperative your business is protected by vehicle delivery/collection insurance. Your business faces a wide range of risks, and it’s essential your business is protected.

Vehicle Delivery/Collection Insurance UK Price Comparison
Vehicle Delivery/Collection Insurance UK Price Comparison

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Road Risk Insurance

Under 25’s Motor Trade Insurance

Combined Insurance

Northern Ireland Insurance

Motor Trade Fleet Insurance

Vehicle Delivery/Collection Insurance UK Price Comparison

What is Vehicle Delivery/Collection Insurance?

Vehicle delivery/collection insurance is a type of motor trade policy that provides cover for businesses that collect and deliver vehicles. Each collection and delivery carries certain risks and challenges that require specialised insurance coverage.

Vehicle delivery/collection insurance offers protection for any loss or damage that occurs to the vehicles in your care during transit.

Your business, employees, customers, and members of the public need to be protected. As a responsible business owner, buying Vehicle delivery/collection insurance provides the necessary protection for your business operations.

Some Of The Motor Traders Which Can Be Covered:

Why Do Vehicle Delivery/Collection Businesses Need Insurance?

Damage to vehicles in your care during collection and delivery can be expensive. Customers are depending on you to safely and securely pick up and deliver their vehicles. This is work that requires a high amount of care and attention to detail to complete the work safely.

For this reason, it’s essential to have the right motor trade insurance to protect your business. The policy must be specialist insurance that offers protection for vehicle collection agents. Even loading and unloading vehicles can result in damage, injuries, and more.

You need insurance to protect your business, whether transporting one vehicle or several at a time. The right coverage protects your business, employees, customers, and members of the public when your business is transporting vehicles.

Vehicle Collection & Delivery Insurance can cover:


Product Liability Insurance


Flexible Monthly Payments


24hr Claims Helpline


Motor Traders Policy For Over 25+


Accident Support / Replacement Vehicle


Material Damage Cover


Equipment & Premises


Combined or Road Risk Insurance


Comprehensive Cover

Vehicle Delivery/Collection Insurance UK Price Comparison

Vehicle Delivery/Collection Insurance FAQs

Helpful links

The Institute of the Motor Industry Website

Retail Motor Trade Federation – The Retail Motor Industry Federation (RMI) is the UK’s leading automotive trade body, representing franchised car and commercial vehicle dealers, independent garages, bodyshops, motorcycle dealers, petrol retailers, auction houses and cherished number plate dealers,

What Levels of Vehicle Delivery/Collection Insurance are Available?

Vehicle Delivery/Collection Insurance coverage includes the following three levels of insurance:

Third-party only: this coverage protects third parties from injuries and property damage resulting from your business operations. Bear in mind that this policy does not pay for your injuries or damage to your vehicle in the event of an accident. You must cover these costs out-of-pocket. Third-party only is the minimum amount of coverage you’re legally required to have.

Third-party, fire & theft: This policy provides the same coverage as third-party only and offers fire and theft protection for the vehicle you’re driving. If the vehicle is stolen, vandalized, or damaged by fire, this policy protects your vehicle and offers payouts for repair or replacement of the vehicle. However, this coverage does not protect you in case you’re injured in an accident.

Comprehensive: the policy offers the same protections as the two policies above. In addition, it also offers coverage for you and your vehicle. This is the highest level of insurance you can buy, and it’s the most comprehensive insurance policy for you and your business.

Comprehensive: offers the protection listed above and fully protects you and the vehicle in your possession. This is the highest level of insurance you can purchase, and it offers the best protection for you and your business.

Are There Add-Ons Available for Vehicle Collection/Delivery Insurance?

Yes! Here are some other types of coverage you may want to consider adding to your vehicle collection/delivery insurance policy:

Road risk: protects you and your employees when collecting and transporting customer vehicles. You can also have your own vehicle insured with this policy.

Premises: protects your business premises and the assets stored on-site, such as vehicles, stock, tools, and machinery.

Public liability: This policy provides protection for your business against claims made by members of the public. If they are injured, or their property is damaged while on your business premises, they may press a claim against your company. This policy also provides legal fees.

Employers’ liability: this policy offers protection for employees while they’re working for your business. There are times when an employee might be injured, become sick, or even die while on the job. Employers’ liability protects you and your business against claims of this kind. What’s more, you’re legally required to have this policy if you have one or more employees.

What is the Vehicle Indemnity Limit Under a Vehicle Collection/Delivery Policy?

You are responsible for choosing the right level of indemnity for your business. This limit depends on the type of services/products you offer, the level of risk faced, and any contracts you’ve entered into that may also be determined.

The limit is the maximum amount an insurer is willing to pay for any claims that result from the operation of your business. The most common limits are £1M, £2M, and £5M; however, it may be possible to arrange a higher limit through the insurance provider.

Do I Need Proof of Operating a Vehicle Delivery/Collection Business?

It’s possible that insurance providers will ask for proof that you operate in the motor trades. Proof of trading can include the following:

  • Copies of purchase invoices and sales receipts for vehicles bought or sols
  • Auction house invoices and auction house membership
  • Proof of joint bank account for business partnerships
  • Copies of any invoices and receipts for parts or work carried out on customer vehicles
  • Submission of accounts
Is There a Way to Keep Vehicle Collection/Delivery Insurance Costs Down?

Yes! Here are a couple of ways that may help to reduce the cost of your premium. However, it’s always best to ask your insurance provider about how to lower your premium (each insurer has its own criteria for determining premiums):

Increase the excess: while it’s possible to set your excess to 0, it’s best to increase the excess you’d voluntarily pay in case of a claim. This is one way to lower your insurance premium.

Pay annually: another way to lower your insurance premium is to pay it annually rather than monthly or pay-as-you-go. Most insurance providers offer a discount when paying annually. This is a great way to lower your premium.

Comparison shop: another way to save money on your premium is to comparison shop for vehicle collection & delivery insurance. This may save you quite a bit on your premium.

Compare Vehicle Delivery/Collection Insurance Quotes

Comparison shopping is one of the best ways to find the right insurance policy at the right cost. However, it takes a lot of research to find the right insurance providers. It may take long hours online and then calling each insurer individually. Who has time for this amount of activity?

So, why not make your research and quote process that must easier by using MyMoneyComparion.com to find vehicle collection & delivery insurance? We make the process easy and painless! It’s fast to compare insurance quotes directly on our site.

What’s more, we work with highly esteemed vehicle delivery/collection insurance brokers. They have the knowledge and expertise to help you find a policy that works for your business at a price you can afford.

All you need to do is fill out our simple form, hit “Enter,” and wait for quotes to show up from our insurance partners. You’ll receive detailed quotes, which are easy to compare. Our partners ensure you have a customized policy that fits your business requirements.

Whether you work part-time or full-time, we make it easy to find vehicle collection & delivery insurance. And if you have questions about the policies, be sure to reach out to the individual insurers. They can help you find the best insurance for your company.

So, why not get your vehicle collection & delivery insurance quotes today?

Get a Vehicle Delivery/Collection Insurance Quote Today

Completely free Takes less than 3 minutes