Courier Fleet Insurance

What is covered by courier fleet van insurance?

Fleet insurance covers vehicles used for hire and reward, including vehicles delivering parcels, packages, newspapers, or other goods to multiple locations. A courier fleet insurance policy is built for businesses with three or more fleet vehicles carrying out this activity.

If you have less than three vehicles, courier van insurance is more suitable.

As with any insurance policy, you can cover vehicles on a third-party, third-party fire and theft, or comprehensive basis – or a mixture of these if required.

In addition to vehicle cover, your courier fleet policy can include:

• Goods in transit cover – protection against theft, damage, or loss of any items you are transporting.
• Employers’ liability cover – legally required protection against claims from employees injured during their work.
• Public liability cover – often packaged with employers’ liability cover to protect you against injury claims from members of the public.
• Telematics – optional installation of a full range of telematics products that can track drivers, report claims in real-time to insurers, and aid driver training. All of this can help to reduce your insurance premiums.

Typically, drivers will be aged 25 and over on a courier fleet policy, but insurers still consider younger drivers. If you have any drivers with claims or motoring convictions, they can also be added to your fleet policy; however, as with all motor insurance, this could affect the insurance premium you pay.

If your courier fleet has vehicles carrying uncommon goods, for example hazardous materials, you’ll be pleased to know that these can be covered too. Speak to us about your requirements – we will look to place you with the right insurance company for your needs.

Types of vehicles covered by courier fleet insurance

Most courier vehicles are vans that have a 7.5T GVW or less. But that doesn’t mean you can’t find cover for other vehicles, such as motorbikes, as part of a larger fleet policy.

A courier fleet typically comprises at least three or more vans. There is no limit to the number of vehicles that can be covered, with cost savings available per vehicle with each additional motor added.

How much does courier fleet insurance cost?

No two fleets are the same, so costs vary considerably.

Factors affecting the price you pay include:

• How long your business has been operating
• Where the vehicles are located
• Your confirmed claims experience
• The number of vehicles covered
• The type of vehicles and their age
• The experience of named drivers
• The type of goods you transport
• The size of the delivery areas
• The number of employees
• Telematics equipment installed

We can cover fleets of all sizes. So, for a bespoke quote, simply give us a call.

Frequently Asked Questions