Courier Insurance UK for Van and Car Drivers
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Couriers Insurance Comparison
Last Updated 20 Dec 03 Eamonn Turley
In the new Gig economy, it is the couriers who have an ever growing opportunity for steady employment. To operate this on-demand service is the requirement of having couriers insurance to protect the driver, the vehicle and the packages from any type of mishap. The demand for courier insurance for cars has surged as demand alongside demand for van courier insurance. Both of these are forms of hire and reward insurance that is necessary for any courier business.
Do I need couriers insurance?
To legally operate as a courier or delivery person for profit, courier insurance is required by UK law. This is classified as one form of
What is courier driver insurance?
This is a commercial vehicle insurance policy that covers the vehicle and activities of a person who is being paid by a third party to deliver packages.
Is courier and haulage insurance the same?
The difference between a couriers policy and one classified as haulage is the number of destination or stops on the couriers route. A typical courier will have multiple stops on their route each time they depart with packages. A person hauling a load generally only has one destination where they off-load the contents of their vehicle.
What is the average price of courier insurance?
The annual cost of courier driver insurance has many factors that are considered into the price of it. For a good driver with no points on their driving licence and use a small, economical vehicle, the annual premium can be as low as £800. The costs are determined by the risk the vehicle, the driver and the area of coverage pose to the insurance firm. The larger the vehicle, the more points a driver has and the high risk urban area where deliveries are made, a courier premium can cost annually up to £3,000 or more.
What type of insurance do you need for a courier service?
It is important to take note that standard car insurance is not suitable for couriers. If you are stopped or are involved in an accident without the correct insurance, you will be penalised with an IN10 conviction. This is a conviction for effectively driving without insurance and will make buying insurance very expensive, if not prohibitive in the future. Please refer to driving with convictions for more details on conviction codes and insurance options for convicted drivers.
If you are intending to use your van or car to provide a courier service you will need specific car courier insurance or van courier insurance.
Is business insurance the same as courier insurance?
Business insurance is not the same as courier insurance. Business insurance protects you when you travel on business between places of work or customer sites. It does not cover you to carry other peoples goods for reward, which is essentially what a courier service provides.
What vehicles need courier insurance?
Any type of vehicle can be used to make deliveries. All but one vehicle will require that courier insurance be obtained. This includes vans, cars, trucks motorcycles and scooters. The only vehicle that does not have to have this type of cover is a bicycle. If you operate more than one courier vehicle, have a look at our detailed guide on courier fleet insurance for more details.
Why is courier insurance so expensive?
What types of vehicle are good for couriers to use?
The right type of vehicle for a delivery driver to use is dependent on what they are delivering in terms of size, weight and area of the deliveries.
What should be remembered is the smaller the vehicle, which includes both its size and engine displacement, the lower the risk which translates to lower premium costs. This is one situation where bigger is definitely not better.
Are there any optional covers for a courier?
The road risk portion of hire for a courier driver insurance policy is mandated by the government. The minimum cover is Third Party Only, which does not protect the driver or the goods they are transporting. The following are areas where cover is available and could be beneficial to the self employed delivery driver.
How can money be saved with courier driver insurance?
Saving money on
To help couriers stay safe during the pandemic of COVID-19 the UK government has issued this advice for
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