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Compare Courier Insurance makes it easy for yout to get cheap courier insurance quotes online. We can provide cover for owner drivers and the self employed. Cover is available for small to mid size courier companies and large national companies.

Courier insurance is an important component of any type of carrier business. If the goods that you transport can be easily sold on the black market or are valuable then your business may become the victim of theft. Every courier business needs a good level of cover in place to protect against the loss or damage of goods that you are couriering.

Because of the inherent risks, policies for courier insurance can be expensive and it will pay to compare what options are currently available in the marketplace. One approach to potential savings is to get multiple quotes and compare what is included and not included and the policy price.

Vehicle Cover available at 3 levels

Pay monthly with direct debit or bank transfer
Pay quarterly
Pay a one off annual payment

Flexible Payment options Available

Comprehensive
Third party plus Fire & Theft.
Third party only. Covers you for any damage made to the property of a third party including or any injuries that may result.

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What is the difference if any between haulage and courier cover

Both have similarities, but they are also different. Both have one common feature they both include cover for ‘ carriage of goods for hire and reward'. A premium is derived based on risk to the broker of having to payout and the average payout amount. As risk can be greater for haulage the underwriters differentiate these 2 modes of carriage as different and policies are constructed to reflect the difference.

The key difference is that haulage is associated with the movement of a consignment from A to B , the consignment most often is white goods or dry goods, but can also be livestock.
Couriers tend to provide a delivery service of various items and one journey typically will involve many drop offs or deliveries at different locations.
Couriers tend to use faster and cheaper delivery modes that include cars, vans , motorcycles or push bikes.
As haulier usually equates to the bulk movement of goods, hauliers will most likely be using heavy good vehicles in contrast to small vans typical of a courier service

In summary if you are being paid for the delivery of other people's good on a multi drop basis then you should purchase insurance for couriers. The converse is true of haulage cover which will involve moving bulk goods from origin to destination. Multi drop is normally accepted to be 3 or more different drop locations per day.

What does courier insurance cost?

The cost of cover depends on a multitude of factors some of which you do have control over. One of these is which insurance category the actual vehicle that you use falls into.

These categories normally range from 1 to 20, category 1 contains vehicles that are in general the cheapest to insure. The main factors that are used to determine which group are as follows:

The purchase price and the price of spare parts.
The size, the bigger the more cargo that will need covered.
The average costs to repair

How to reduce your courier insurance premium

Vehicle Insurance Category : If you are just starting a new courier business, then pay attention to insurance vehicle categories, higher categories will attract a higher premium.
Drivers : Are you able to limit to named drivers ? Can you limit to drivers over 25 ? Can you limit to drivers with a good history of no claims (NCB) ? Doing any of these will reduce your risk and subsequent insurance premium quotes.
Security: Can you provide safe and secure parking ? Can you add additional insurance industry approved security devices. Unfortunately if your business in a built city area you will pay a higher premium, as you are under a higher risk of theft or accident.
Excess: This is the amount that you are responsible for in the event of a claim. Some brokers will let you increase this amount and in return lower your premiums. If you do take this route set aside the excess amount so it does not impact your daily business.

GIT : Cover for the goods in haulage

In addition to the courier insurance for your mode of transport you will also require cover for goods in transit and public liability. GIT will protect your merchandise whilst in transit, some level of GIT cover may be already included in your courier policy, but it most likely not be sufficient.. Make it clear to the broker the types of service or services that you intend to provide.

Why us ?

We provide access to some of the cheapest quotes currently available online. To get quotes from top UK brokers select the get quote button and complete a quick online inquiry form. The quote system will then compare the market provide you with the best quotes available.