Courier Insurance

everything you need for your courier business
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EASY TO MANAGE INSURANCE POLICIES
CARS, VANS, TRUCKS
& MOTORBIKES
OPEN DRIVER
POLICIES AVAILABLE
DEDICATED POLICY
ACCOUNT MANAGERS
UNIQUE COVERAGE
FOR EACH VEHICLE
Goods In Transit
Courier Fleets
Public Liability
Truck & HGV
Courier Car
Courier Van
Goods in Transit
Courier Fleets
Public Liability
Truck & HGV
Courier Car
Courier Van

FAQ’s

Yes, couriers typically need special insurance. Standard vehicle insurance policies don’t usually cover commercial delivery activities. Couriers should obtain:


1. Courier or goods-in-transit insurance to protect parcels and items being transported
2. Commercial vehicle insurance specifically for delivery purposes
3. Public liability insurance to cover potential third-party claims

Operating without the correct courier insurance may invalidate your existing vehicle policy and leave you financially exposed in case of accidents, damage, or theft. Most courier companies and delivery platforms in the UK require proof of appropriate insurance coverage before allowing you to work with them.

Operating as a courier without proper insurance can have serious consequences:

  1. Your standard vehicle insurance may be invalidated if you have an accident while making deliveries
  2. You could be personally liable for all repair costs to your vehicle and others involved in accidents
  3. You’ll have no financial protection for damaged, lost, or stolen parcels
  4. Delivery platforms and courier companies may terminate your contract immediately
  5. Clients could pursue legal action against you for uninsured losses
  6. You risk receiving penalty points, fines, or even disqualification from driving for not having appropriate insurance

Most courier companies and delivery apps verify insurance status regularly, and operating commercially without proper coverage can also constitute insurance fraud. The potential financial and legal implications far outweigh the cost of obtaining proper courier insurance.

Courier insurance tends to be more expensive than standard policies due to several key factors:


1. Higher risk profile – couriers spend more time on the road and often drive in congested urban areas
2. Increased mileage – typically covering far more distance than average drivers
3. Time pressure – delivery deadlines can lead to riskier driving behaviours
4. Valuable cargo – insurance must cover both vehicle and transported goods
5. Multiple stopping points – frequent stops increase accident and theft risks

Insurance providers calculate premiums based on these heightened risks. However, costs can be managed by shopping around, building a clean claims history, choosing appropriate coverage levels, and taking advanced driving courses. Many couriers find the expense worthwhile compared to the potential financial impact of operating without proper coverage.

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QuoteHive is trading name of NBe Brokers Ltd whom are authorised and regulated by the Financial Conduct Authority. Our FCA registration number is 978071. This can also be checked by visiting www.fca.org.uk.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk

NBe Brokers is a limited company registered in England, company registration number is 14045203 with our registered office at The Mount, 566 Etruria Road, Newcastle Under Lyme, ST5 0SU