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Courier Insurance
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- Specialist courier insurance for cars, vans, bikes and lorries
- Goods in transit, public liability, breakdown cover and more
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Why do you need courier insurance?
Everyone who drives a vehicle on the roads needs to make sure they have insurance coverage in place. Driving can be a risky business, and in the event of an accident, costs can mount up. If you regularly drive to deliver goods, it could pay to have a specialist courier insurance policy.
It doesn’t matter if you drive a courier motorbike, van, or car or even work as part of a fleet of couriers, there are many additional risks involved.
A specialist courier policy will protect you and your business not just from standard driving-related claims. Courier insurance can also protect the goods in transit you are carrying. It may also include public liability cover. For firms that operate several couriers, employer’s liability cover might also be a good idea. However, self-insured couriers should also make sure they have appropriate cover in place.
Who needs courier insurance?
If you operate any of the following types of business, you could benefit from courier insurance:
- Pizza delivery
- Bicycle courier
- Motorbike deliveries
- Medical supplies
- Parcel movers
- Van delivery
- Haulage
Types
Working as a courier involves travelling on public highways. You must make sure your policy covers your basic driving risks. There are also additional risks to consider when working as a courier.
Third-party
The most basic type of road cover. You are insured for damage to third parties in the event of an accident
Third-party, fire and theft
As above, in addition, your courier vehicle is covered against fire and theft.
Comprehensive
For peace of mind, most courier firms opt for comprehensive insurance. This means you are covered for all of the above, plus any legal or compensation claims arising from an incident you are liable for.
Goods in Transit
As a courier, you will be transporting things from one place to another. If any damage occurs to those goods, you will be liable. Goods in transit insurance policy covers the cost of the goods you are transporting in the event of loss, damage or theft.
Public liability cover
Working as a courier usually involves dealing with members of the public, or other business employees to make deliveries. Public liability insurance protects a courier or business against claims made by the public. For example, if an accident or injury occurs during the course of delivery. Usually, the lowest amount of public liability cover is £ 1 million. Policies are available with up to £ 10 million cover.
Employer’s liability
Businesses that operate a number of drivers might need employer liability insurance. This can protect your business in the event of a claim by a serving or ex-employee.
Motorbike or bicycle cover
Motorbikes and bikes are classed as higher risk than cars or vans. If a biker is injured due to an accident, injuries are likely to be severe, and compensation claims can be expensive. As such, you may need to take out additional cover if you or an employee drive a motorbike for courier work. Motorbike cover usually means a higher premium, so make sure you only include it on your policy if you really need it.
Breakdown cover
Even well-maintained vehicles can break down. Late deliveries can mean costly compensation for courier firms. Breakdown cover ensures a swift response to get you back on the road in the event of a breakdown.
How to save money on courier insurance?
The higher the risk, the more expensive the policy. The best way to reduce the cost of courier insurance is to reduce the overall risks involved.
- Ensure all drivers are aware of health and safety policies
- Employ courier drivers with a clean driving licence.
- Drivers under the age of 25 can incur higher premium costs.
- Make sure all vehicles are secured during every stage of delivery. This lowers the risk of theft.
As well as reducing the risks, there are other steps you can take which could bring down the cost of your premium
- If you are able to, paying premium costs annually rather than monthly can mean a lower overall policy cost.
- Consider increasing the excess on your policy. By improving the amount you would pay in the event of a claim, the overall policy costs can be reduced.
- Compare a range of quotes from different providers. Ensure that you are only paying for the cover you need and that each policy is tailored to your needs.
