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Motor Trade Road Risks, Courier Insurance, Commercial Vehicle:
Assumptions

Our online quotation will be based on the following assumptions:

  • You are a FULL TIME courier
  • Your business is based and operates solely in the UK
  • All named drivers have a full UK driving licence
  • All named drivers are between 25 and 70 years of age and have been resident in the UK for at least 5 years
  • The vehicle is not used to carry dangerous goods or visit dangerous premises (airside, nuclear installations etc)
  • The vehicle is not Q-plated, imported or Left Hand Drive
  • The vehicle has manufacturers standard security
Assumptions

Our online quotation will be based on the following assumptions:

  • Your business is based and operates solely in the UK
  • All named drivers are full time private or public hire taxi drivers and the vehicle is used predominantly for that purpose
  • All named drivers are between 25 and 69 years of age and have been resident in the UK for at least the last 5 years
  • All named drivers have a valid full UK driving licence and have held a taxi licence for at least 12 months
  • The vehicle is valued less than £40k
  • The vehicle is not Q-plated, imported or Left Hand Drive
  • The vehicle has manufacturer’s standard security
Courier Insurance

Switch your courier insurance to ChoiceQuote today and save money today!

Looking for courier insurance? Simply complete the form below and our Courier Team will call you back to discuss your requirements.

  • Very competitive rates
  • Quick quotations and instant cover
  • Instalments available
  • Good discounts for ex-courier fleet drivers
  •  Cover for courier fleets also available

Guide to Courier Insurance Section 2: Self-Employed vs Employed

What Cover Do I Need?

Firstly, are you employed by a company to deliver courier services, or are you self-employed?

 

When you are employed, you will usually receive a fixed amount every month, or at very least – if you are on a zero hour contract – you should get paid on a fixed date. You will receive paychecks, documenting what you have been paid and will have a contract.

 

However, as is the case with a lot of people in this industry (even those who work for household names), those who are self-employed need to send invoices to receive payment and won’t (or rarely) get paid on a fixed date and are also responsible for their own tax and national insurance (NI). An employer takes care of that for employees, but not for self-employed contracts and independent third-parties, which can include other companies (usually limited companies or limited liability partnerships), who may employ staff, or work with other self-employed couriers to deliver the contracts they work on behalf of larger brands.

 

Are You A “Gig Economy” Courier?

 

You may have heard the phrase, “Gig Economy” in the media. It refers to low-paid – often below minimum wage when costs and other considerations are factored in – self-employed work, usually for startups, such as Uber, Deliveroo and Jinn. Couriers are part of this new economy, one that the government is currently working hard to understand and adapt existing laws around, to protect workers without stifling growth.


A survey by the Chartered Institute of Personnel and Development (CIPD) found that “just four in 10 gig economy workers, say that they feel like their own boss, which raises the question of whether some are entitled to more employment rights.”

 

If you work for a startup as a freelancer or contractor, it is worth considering the following:

  • Can you select your own clients and work hours to suit you?
  • Does the amount you earn cover all your costs, including vehicle upkeep, tax and insurance, and leave a profit (based on working the hours you want/can do)?
  • Is your employment status open to interpretation (e.g. if you spoke to HMRC, an accountant or HR expert)?

 

Remember: Companies that declare self-employed workers incorrectly are breaking the law. You can only be classed as self-employed when you are free to take work from other clients. No one who is self-employed should be exclusively contracted to one company. This also means you are responsible for your own vehicle and legal formalities, such as ensuring you have the right insurance cover for the work you do and risks you encounter whilst performing this work.

 

Working in the so-called gig economy is fine, providing you are earning enough, or are able to earn enough to cover your needs. Some people do this work to boost income, making this work a side gig, which is always good, providing you are earning enough from the time you invest in finding and undertaking the work.

 

Once you are clear on whether you are employed or self-employed, you can select the right insurance quote for you. In the rest of this Guide, we explain the different courier insurance covers available, what influences the cost, and how you can keep those costs low.

Section 3: What Insurance Do Couriers Need?

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Product: Guide to Courier Insurance Section 2: Self-Employed vs Employed
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