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Courier Insurance

If you’re a Courier or delivery driver looking to insure your Van or car, you’re on the right page. We have exclusive products ready and waiting.

Call Now: 0344 776 5301

What to look for in Courier Insurance

  • Cover for all the goods you carry, no matter how big, small or strange!
  • Cover for the correct number of drops you do. Don’t be limited by your policy.
  • Does it cover you to work in Europe?
  • Unlimited mileage
  • Choice between car or van cover
  • Fully comprehensive, third party fire & theft or third party only
  • Bespoke policies, not off-the-shelf one size fits all
  • Flexible payment plans
We have a team of people waiting to talk to you in plain English (forget the usual insurance jargon) and give you the best courier insurance quote we can. You know you need to do this and you want it done right, so let’s not waste any more time.
We can help make sure that you have appropriate Courier Insurance, Liability and Goods- in -Transit Insurance in place, before heading out on the road.
If you run more than one vehicle, we can also provide Fleet Courier Insurance.

Key policy features

  • Take advantage of our unlimited mileage cover – With unlimited mileage you can be certain that your earnings will not be affected because you’re not restricted on how often you can work.
  • Flexible payment plans – We offer monthly instalment plans that help you to spread the cost, including flexible payment dates, payment plan options and early settlement options.
  • Panel of insurers – We work with a selection of trusted courier insurers so you can be confident we will find the right policy for you.
Courier Insurance premiums starting from as little as £90 per year

Why choose Business Choice Direct?

It’s simple, it’s quick and it’s really cost effective.

Trust us to understand your needs and everyday challenges. We have been providing reliable and competitive courier insurance for years, so you can be confident that we can help you save time, money and costly mistakes. Maybe it’s not your top priority, but we make it ours!

Our policies are tailor made, not off-the-shelf, so you get the best cover, based on your specific insurance needs.

Courier Insurance: GIT

Frequently Asked Questions need some help?

What is courier van insurance and why do I need it?

Insurance for your vehicle is legally required for everyone. Any vehicle used on the public highway must be insured by law.

As a courier you need ‘Hire & Reward’ cover.

As couriers carry goods or materials on behalf of other people, you specifically need a level of cover called ‘Hire & Reward’. It’s not just couriers who need Hire & Reward cover; people like Taxi Drivers, Chauffeurs and Fast-Food Deliveries need this unique cover too.

If you carry goods for hire or reward, a standard van policy or commercial van policy will not cover them.

What types of coverage are included in courier van insurance?

The key cover you need is ‘hire & reward’ and you can then select three levels of cover which protects your vehicle either on a fully comprehensive basis or, third party fire and theft or third party only.
Comprehensive insurance covers you against damage or injury to a person (the third-party), their property or vehicle, theft of or fire damage to your vehicle, plus cover for damage to your own vehicle.
Third-party, Fire & Theft covers against damage or injury to a person (the third-party), their property or vehicle, plus offers cover for theft of or fire damage to your vehicle.
• Third-party is the most basic level of cover, protecting you against damage or injury to a person (the third-party), their property or vehicle only. It does not protect your own vehicle.

How does courier van insurance differ from regular car or van insurance?

Regular car or van insurance does not offer the appropriate cover for work as a courier. As a courier, you are constantly on the road, typically delivering goods to one or more locations using your vehicle for commercial gain. In contrast, most people’s cars are sat on their driveway, or in a work car park for the majority of the day. Your vehicles are therefore exposed to more risk than is normally encountered by non-courier car or van drivers.

If you get paid to deliver goods, you need the specialist cover called ‘hire or reward’. In addition, you need your insurance to cover the risk that you pose to other road users and the public. Courier Insurance needs to be more comprehensive than normal van insurance, and at BCD, we can talk you through the different aspects such as Goods in Transit and Public Liability. We can also help you with cover for specialised vehicles, such as refrigerated vans, and international transport cover.

How can I find the best rates for courier van insurance?

At BCD we search the market and use our contacts with a wide range of insurance providers to get you the best deal. Whilst cheap courier van insurance is a consideration, it is important to make sure that you have the optimum protection that meets your needs.

Talk to the experience BCD team for affordable courier van insurance and commercial vehicle protection.

What factors affect the cost of courier van insurance?

There are a number of factors that affect the amount of insurance you pay.
These include;

• Your experience and no claims bonus.
• Age and value of your vehicle.
• The level of cover you chose e.g. Comprehensive, Third Party etc
• Number of drivers that you wish to have on the policy.
• Age of drivers and any convictions
• If you have sign writing
• Number of drops made and radius worked within.
• Amount of excess.

Talk to our experts at BCD who understand the logistics of being a courier and will work with you to help you get a competitive quote that meets your needs.

Is goods-in-transit insurance included in courier van insurance?

No. Goods in Transit cover protects the goods you are transporting, which could range from parcels to furniture and white goods, to expensive electronic equipment. Our cover picks these up, including the UK and Europe, with cover levels starting from £5,000. We have some exclusive products to help you.

The value and nature of your cargo will affect how much you pay on top of your standard policy.

Can I use my personal van for courier services and still be covered?

Yes, you can use your personal van for courier work, but you will need to make sure that you have the appropriate specialist courier insurance for it. We also strongly recommend that you have Goods in Transit cover and Public Liability insurance as well. If you have anyone working for you it is a legal requirement to have Employers Liability insurance.

Call the BCD team for quick, same day quotes.

We think you should also consider…

  • Goods in Transit Insurance
  • Public Liability Insurance
  • Employers Liability Insurance if you employ courier drivers or pay someone to help you
  • Breakdown Cover
  • GAP Insurance or Total Loss Prevention
  • Fleet Insurance for 3 or more vehicles