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Updated 28th August 2022 by Eamonn
Courier Fleet Insurance is designed to help lower the cost of coverage for a business that has multiple delivery drivers working for them using company vehicles. This type of financial protection also helps organise the cover, so filing claims and paying premiums should work out easier than having to manage multiple policies. The vehicles may be cars or vans, or a mix of both. A huge demand exists for courier fleet van insurance, propelled by ever increasing trend in online shopping. Courier fleet insurance provides additional cover not included in standard
What is Courier Fleet Insurance?
There are two parts to what is courier fleet insurance.
How much does courier fleet insurance cost?
The cost will be dependant upon a number of factors, some impacting cost substantially more than others.
The level of cover required will have the most impact on cost. Similar to car insurance, you can choose from third party, third party with fire and theft to the top tier cover referred to as comprehensive cover. In addition to providing cover for a third party vehicle and property, comprehensive covers damage to your own fleet
The number of vehicles in the fleet also plays an important role in arriving at a final premium. A large fleet equating to a higher premium, as the risk to the underwriter is increased. Naturally, the insurance category or categories that your courier van fleet falls into will also be a significant determining factor.
How do I lower the costs of courier fleet insurance?
Saving money with courier fleet insurance is possible by lowering the risk that you pose to the insurance company. Use vehicles in the lower insurance categories, which will cost less to insure. If possible, avoid an any driver policy and if possible opt for named drivers. A named driver policy should be cheaper than an any driver courier fleet insurance policy.
Did you know? Courier fleet insurance can start with just 2 vans, more can be added as your business grows, normally additional vans or cars will be added at a discount.
What is a commercial hire for reward policy?
This type of policy is a business vehicle insurance. It has the same levels of cover as non-commercial policies, but makes it possible to be paid to operate the vehicle and make a profit at it. The levels of cover include Third Party Only, Third Party Fire and Theft, and Comprehensive.
The types of commercial hire for reward depends on what is being delivered. There are separate policies for food deliveries along with parcels. The reason for the different types is related to the risks involved.
The type of policy is further broken down by the type of vehicle being used. There is
Other Insurance options to consider
It is possible to extend your courier fleet insurance with additional cover, as listed below. Some may be already included, but you will need to check the policy conditions.
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