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If your van use involves delivering goods, then you’ll need to ensure you’re covered for the job. You, your van and its cargo will all be protected by courier van insurance. Transporting packages for their clients means that couriers spend significantly more time on the road than the average driver. A standard policy, therefore is unlikely to cover a courier sufficiently for the greater risks they are exposed to.


Why compare Courier van insurance?

If your cargo is lost, stolen, or damaged in transit then it could cost you dearly if you don’t have adequate van insurance in place. Courier van insurance covers you financially meaning that you can put proper processes in place when it comes to your customers damaged or missing goods.

Do I need courier insurance?

Courier insurance is specifically designed to cover the unique challenges and risks that couriers face in the delivery of goods to customers.

These risks include:

  • Multiple drop-off stops
  • High daily mileage
  • Varied cargo of different value

Policies differ but, typically a specific courier van policy could protect:

  • Damage to your van
  • Damage to other vehicles
  • Your cargo

How can I get the right courier insurance cover?

There are questions that need to be answered when arranging courier insurance:

  • What type of vehicle do you use?
  • What is the size of your vehicle?
  • How far do you travel?
  • Where do you travel?
  • How many drop-offs do you make a day?

These factors can make a difference to your insurance policy and the level of cover you will require. This will affect the cost of your insurance.

What features of cover does a courier need?

In addition to the questions above you might want to consider where there are any Optional Additional Products. This will differ depending on the level of cover you choose – whether it be third party, third party fire and theft or comprehensive.

For more information on these levels of cover please see our guide ‘What do I need to know about van insurance?’

It is always necessary to check exactly what is covered by your sole trader van insurance that would benefit your courier insurance.

These can include:

  • Guaranteed van hire

A hire vehicle can be arranged whilst your damaged van is in for repair or until your claim has been settled.

  • Van breakdown cover

Protects you from wasting time at the side of the road and failing deliveries.

  • Excess protection

This safeguards you against the cost of your motor insurance excess, should you need to make a claim resulting from a fault accident.

What is the difference between a courier and a haulier?

Different insurers have different definitions, so it is crucial that you clarify this with your insurer, otherwise you may find that, upon making a claim, your policy is invalid.

It is broadly considered that couriers make multiple drop offs of goods whilst hauliers drive a long way to deliver a single load.

Why compare courier van insurance?

If you are transporting important and valuable goods on a daily, sometimes hourly, basis then it makes sense that you will want to get the best cover in place to protect you and your business from loss.

Using a comparison website like Businesscomparison.com can make the process simple and fast and give you peace of mind that you have the right policy in place for your role as a courier.

Are you a courier needing van insurance?

Here at Businesscomparison.com, we compare quotes from a panel of leading UK insurers to bring you the best deal.

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