Insurance for goods deliveries
If you are paid to use a car, van or two wheeler to deliver any type of goods to more than one address on each trip you probably need courier insurance to stay within the law.
How can I find affordable courier insurance?
If you need a cheap policy this may be just the website you are looking for. We have contacts with not just one insurance company but a panel of specialist providers, and with one simple form you could have several of them competing for your business - which could mean much lower prices or more benefits for you!
Whatever type of goods you deliver, whether by van, car, motorbike or scooter we can find you the right policy, at a very competitive price.
Why should I need courier insurance?
If, in exchange for payment, you deliver goods to a number of addresses, the law requires you to have courier insurance. This applies not only to full time workers but to part time ones too.
What you deliver could be as small a pizza, but the law still applies.
Won't my car insurance cover me for small deliveries?
No. Standard vehicle insurance policies, even if they cover business use, will not extend to deliveries. Many delivery drivers use their own vehicles and a large proportion of them are completely unaware of their insurance requirements, and this can lead to disastrous consequences for them.
Isn't the owner of the business I deliver for responsible for making sure I'm properly insured?
Whilst the owner of a business which relies on delivery drivers is legally obliged to make sure that those drivers are properly insured, it is also the responsibility of the driver too. Anyone stopped by the police (and delivery drivers are checked regularly - they are an easy target) who is clearly delivering goods in this way is driving whilst uninsured and is likely to see the vehicle impounded, fines running into hundreds of pounds and driving licence penalty points which could lead to disqualification under the totting up rule. It's as serious as that and pleading ignorance of the law is no defence whatsoever.
What is almost as bad is that if one of these drivers was involved in an accident there is a high likelehood of that person's insurer refusing to pay out on a claim. Since third party claims in particular can be stratospheric if injuries are involved, the rusults could be disastrous.
If I only deliver a few pizzas, or a few car parts, why should I need extra insurance?
The fact that someone is involved in multiple deliveries makes that person a greater risk in the eyes of the insurers. Sometimes schedules have to be kept to, even in bad weather or heavy traffic, so accident rates tend to be higher amongst deliverers than commuters or business people. They spend more time on the road, which makes them statistically more likely to be involved in a claim, and many operate on piece work. This means the higher the number of deliveries, the higher the earnings. It also means there is a greater temptation to take risks, which could mean more likelihood of an insurance claim.
As a result most mainstream insurers refuse cover for risks of this sort - or charge extremely high extra premiums.
Is courier insurance expensive?
Not necessarily. It is likely to cost more than a routine motor insurance policy but every case is looked at on it's merits. Someone delivering a couple of ready meals several nights a week shouldn't have to pay a great deal more but there are greater risks for those working full time and carrying out anything up to 80 or 90 drops a day. However comparing quotes from a number of specialist insurers can help to keep costs to a minimum.
Either way it's likey to be cheaper than having a car, van or two wheeler impounded as well as facing a three figure (at least) fine; and certainly cheaper far cheaper than putting in an insurance claim just to have it refused, and being sued for third party costs. Get some quotes now. The cost may well be a lost less than you expect.
Who needs to buy courier insurance?
Basically anyone who delivers good for hire or reward, and would normally make more than one delivery per trip. This is where it is different from goods vehicle insurance, which is designed for drivers who take goods to one delivery address at a time and then return to the depot. Some products that are commonly subject to courier insurance include (but are not limited to):
Animals/livestock; antiques and special care items; blood / organs; business and industrial goods; car parts; cash; chemicals/hazardous materials; clothing; electrical equipment; fast food / takeaway food; furniture; household goods; medication; medical equipment; mixed/varies; newspapers; online purchases; pallets; parcels; plant equipment; vehicles; wholesale food.
How do I buy a courier policy?
Fill in on simple short form and your details will be passed on to members of a panel of insurers, all of whom specialise in insurance for courier drivers and all of whom are, of course, fully authorised and regulated by the Financial Conduct Authority. They will calculate competitive quotations for you and then let you have them. You can then choose which policy best best suits you, from amongst those that you are offered.