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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 6: What Additional Cover Might I Need?

Couriers should only buy the cover they need. However, you shouldn’t leave yourself short of cover in the hope of saving a little extra money. Too often, that ‘false economy’ leaves you at risk of incurring much higher extra costs if anything goes wrong – such as a member of the public accidentally getting hurt, or the goods you are carrying getting lost, stolen or damaged in transit.

 

Not only do these sort of risks damage a business – which could potentially be devastating if you are self-employed or a small business with staff to look after – but bad reputations and unhappy customers spread the word fast. Consumer deliveries are also fraught with risk, thanks to social media: mistakes, damage and accidents can easily result in reputational damage.

 

With the right levels of insurance, you can be fully protected against accidents, mishaps and incidents that could wreck havoc upon a small business or self-employed courier working hard to grow in a competitive and lucrative market.

 

Here is some more information about the extra cover you should consider as a courier.

 

Goods In Transit

 

One of the most popular extra insurance policies on the market: Goods in Transit. As hard as couriers try, sometimes, things go wrong. Goods can – and do – get damaged, go missing, and even get stolen. It only takes thieves an opportunistic moment. Or you might be unlucky and hit a pothole and send goods flying in your van, or have an accident.

 

Driving for hours and hours on the roads does increase the chance that a driver, even an experienced one, will have an accident. Not only does this put the vehicle at risk, which is covered by your vehicle insurance, but this could also result in the damage or destruction of the goods you are carrying.

 

For self-employed drivers, this means you are potentially personally liable for the goods you are carrying. Other couriers operate under the legal provisions of a limited company, even if they are the sole director, which means the company is responsible and liable. In practice, this offers them some personal protection, but that doesn’t mean much if the company does not have any form of liability insurance for the goods the courier/director is carrying.

 

Small businesses, with employees, should always consider Goods in Transit cover, as a way of protecting the staff and directors of the business. Larger clients may require this as standard, and it is simply a smart business practice to limit liability in the event of an accident, loss or theft of the products you are delivering on behalf of your clients, whether that includes DPD and Amazon, or other SMEs and retailers. Look after your customer’s goods, and your customers will look after you.

 

Breakdown Insurance

 

Breakdown insurance is a useful extra if you are worried about getting slowed down by a fault and want to get on the road again quickly. More often than not, we hear nightmare stories of vehicles breaking down at the most inconvenient times. Often, it’s when you have a deadline and a mountain of deliveries to get done.

 

The last thing you need is to be sitting waiting by the side of the road, or need to make an expensive emergency call to your mechanic to come and rescue you. Getting the right level of breakdown cover can’t prevent an unexpected fault, but it can get you back on the road with minimal time lost, so you or your drivers can complete the day’s deliveries.

 

Firstly, check if any kind of roadside or breakdown assistance is still active for your vehicle – if it is fairly new, or on a long-term business lease – and if not, then take a look at the options for breakdown insurance we have available for your vehicle (they can be bought separately, or bundled together – depending on what you need):

 

  • Roadside Assistance: This is a basic form of cover. If you breakdown, a recovery vehicle will come and try and fix the problem by the side of the road. If this isn’t possible, then they will take the car, van or motorbike to a garage within 10 miles of where you’ve broken down.

 

  • Roadside Recovery: This is the same as the above, except you have more choice about where the broken vehicle is taken, so that if you breakdown far from home or your base of operations, they can take the vehicle to a garage you know and trust. Thankfully, this level of cover means your car, van or motorbike can be taken to any garage in the UK.

 

  • Onward Travel: When your vehicle is taken to a garage, you need a means of continuing your journey. For couriers, this ideally means being able to finish the deliveries until repairs are complete, which is why any onward travel cover arranged for couriers would need to include a comparable replacement vehicle. In other circumstances, onward travel cover can involve public transport cost reimbursements and even hotel costs.

 

  • At Home: At Home: This policy would cover you if you, unfortunately, break down at home, the business premises, or within a quarter of a mile from your office or home – usually the address the vehicle is registered at.

 

  • EU Cover: This level of cover generally includes all the other types of breakdown cover, with extra protection for vehicle repair, recovery and onward travel insurance when you are operating in the EU. Make sure the countries you are driving through are on the policy, before accepting a courier job.

 

All of these – or a combination of what you need – can easily and affordably be added to any courier insurance policy, to give you the right cover for your vehicle.

 

 

Employers Liability

 

Unlike the various types of vehicle insurance – which cover everything from motorbikes to lorries – and goods in transit, liability insurance protects the courier and the general public, in the event of an accident.

 

It depends on your employment, or self-employed status, as to the type of liability insurance you are going to need, either for yourself or your staff. Companies that employ staff needs Employers’ Liability Insurance, whereas those who are self-employed would be sensible to consider Public Liability or Professional Indemnity, as an extra form of cover, since you also need to consider protecting your professional reputation.

 

There is a third option, one that combines public liability with employer’s liability, designed specifically to cover the risks of working as an employed courier: Courier Liability Insurance.

 

Courier liability insurance can be broken down into public and employer’s liability insurance. It aims to cover you in the instance that something happened to a member of the public, their property or a member of staff. All couriers will require public liability insurance because if you are on the roads making deliveries, then you will undoubtedly encounter members of the public.

 

Accidents happen, usually when you least expect it. Anyone who deals with the public on a regular basis, and operates in public and private spaces – which couriers do (pavements, driveways, stairways) – needs to have this level of cover. This insurance provides protection if you were to accidentally harm a member of the public, or their property with the goods or the vehicle and they were to make a claim. Not having this cover means you are potentially open to unlimited liability.

 

Large courier companies also require employers’ liability insurance, as any company that has one or more employees requires £5 million worth of employers liability insurance by law.

 

However, if you are working for yourself and use the courier exchange system to deliver goods, you will not require employer’s liability insurance unless you are a registered director of your own company and pay your own salary through PAYE.

 

Fleet

 

Owners of companies who manage a fleet of vehicles should consider the cost-benefits – and huge time savings – of having fleet insurance. A fleet is classed five or more vehicles, either owned by the business, or owned by the directors/owners of the business and used exclusively for business purposes, which means for transporting goods for clients.

 

Fleet Insurance can cover an extensive range of vehicles and commercial uses, including couriers  – whether you manage a fleet of cars, bikes or vans. Combining cover into a single policy also serves to simplify the management of insurance cover, and can potentially save you a decent amount of money, compared to managing vehicles on individual policies.

 

Spend less time on vehicle admin and more time maximising the profit you make from ensuring each vehicle is on the road delivering goods as much as possible.

Section 7: Why Choose ChoiceQuote?

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